davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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: JPMORGAN CHASE & CO. (NJ)

Today, XX/XX/XXXX, I received a letter from Chase XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) regarding a transaction on XX/XX/XXXX charged amount {$8.00} by the merchant XXXX XXXX. I explained I did not recognized this transaction by calling the number written behind the Chase credit card, XXXX. The customer service seemed to be named, XXXX, but I could not recognize his name since the pronunciation was not clear. He was not a native XXXX speaker. After explaining several times, we finished this charge was fraud and he told me the card, which I had now, was closed ; therefore, I would receive another Chase credit card. It would be XXXX new card. He told me this charge {$8.00} was made previous credit card, which I used for years, ending XXXX. I immediately considered it should not happen because I already did not have this card ending XXXX, because it was already cut and discarded ; therefore, this charge should be made by some companies in the past, which I had the transaction and did not know my card was changed. Anyway, this is clearly fraud by somebody and/or some company, which use my previous card number ending XXXX. I am not sure which company did clearly, since most of the existing companies, which has some kind of transaction have notified the change of card, except the newspaper company " XXXX. '' Since the letter from the Chase asked me to contact with XXXX regarding this XXXX, I will fight with it.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

This is a follow up to CFPB complaint XXXX, my online access issue continues to be unresolved. 

I am still unable to access my online Equifax account, where I was at one time was fully registered. Per Equifax response to XXXX, I went to create a new account and was prompted that I have an existing one. I attempted to recover that existing account and got the same " Please give us a call, We can't complete your request at this time, Please call the Customer Care team at XXXX '' that I have been receiving for several months now. I have called this XXXX number several times, where I am told the issue is resolved and to just wait a few days to get access. It remains unresolved. 

How many times do we need to attempt the same process to arrive at the same unsuccessful result?
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX  ( FINANACE ) - XX/XX/2022 -XXXX XXXX ( BANK ) - XX/XX/2022 2022
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

I received some money transfers in my Venmo wallet. These transfers were from Venmo members to me. Venmo informed me that my account was frozen and that I would have to verify my identity by sending in a picture of my driver 's license. I called into their support and spoke with XXXX XXXX ( XXXX ) who received my driver 's license and sent my response to the evaluation team on XX/XX/22 at XXXX XXXX. I was told that this step was needed to reactivate my account to receive so that I could access my funds. On XX/XX/22 at XXXX i received an email from XXXX XXXX XXXX ( XXXX ) stating that my account has been permanently deactivated for a violation that they won't explain. Also, it said my funds will be held for up to 180 days and I XXXX have access to them or not in the future. 

I then sent a response telling Venmo that they can't steal from me and not explain the process to reactivate my account and access my funds. The amount is substantial to me {$8700.00} and significant because I am experiencing financial and economic stress. They have not provided me an explanation or pathway to accessing funds that are mine. 

CFPB I could really use your help. Also, my attachment includes the XXXX emails received from Venmo and my response to them after my account was banned without a pathway to reactivation or accessing my funds.
Consumer complaint received 2022-12-22
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. (FL)

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 u.s.c 1681. 

Account name : # XXXX, XXXX XXXX XXXX 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.

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.

15u.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 2023-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (CO)

I contacted the company for debt validation and never received a response. They are not the original creditor associated with the debt so I requested that they provide a complete validation of the amount owed and never received a response from the company. My letter was sent to them certified mail in XX/XX/XXXX and there was no response. On XX/XX/XXXX I learned that they placed the item on my credit report as a collections on XX/XX/XXXX.
Consumer complaint received 2023-04-20
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX  XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am a senior citizen and I'm on the XXXX program they paid my Mortgage and my mortgage company received the payment and refused to posted the payment and charging me a late fee I called several time and was told they received my payment but its not yet posted by they keep on calling me about late payment also charging me a late fee, XXXX sent the payment on XXXX also XXXX XX/XX/23 select portfolio not posting the payment and causing me issues with my credit I called them several times and they acknowledge that they did received the payment and another department is handling those payments as of today the payment received posted to my account and causing me stress and fear, at XXXX years old I cant handle this stressed from them, Please see all the letters from select portfolio services also my XXXX approval letters XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (NC)

This is my 20th 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. 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$450.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

I transferred money over from my XXXX account to my chime account and my chime account got suspended and they are holding my money I have sent over id 's and bank statements to every account I own and they are refusing to give me my money
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I have attempted to contact my loan service provider MOHELA via calls and email about the administrative forbearance I was placed on in XX/XX/2023 without my knowledge or consent.I currently have {$16000.00} in student loans with {$190.00} in interest as of XX/XX/2023. I am currently on the SAVE plan which has me on a XXXX $ XXXX payment plan and am supposed to have any accruing interest subsidized after a payment date has passed. These payments should be counting towards my full forgiveness after the 120 payments as is part of my payment plan, however that is not the case. Additionally, it is taking over one to two months for MOHELA to respond to my emails about the subject.
Consumer complaint received 2022-12-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Federal law, I have a rights to an Fair and Accurate consumer credit report.You have failed to do so. Im demanding to know HOW DID YOU VALIDATE, VERIFY, this Debt by Federal law. Every month SOME companies are reporting newer accounts on my consumer report. 
This is damaging to my FICO score continues artificially. 
Show me physical contractual agreements with the reporting companies? 
According : FCRA. FCDPA if not remove immediately.

Violation of Section 807 15 USC 1692e Violation of Section 805 15 USC 1692C ( b ) Violation of Section 809 15 USC 1692g You have not provided me with Any Original signed contract agreements in PLACE with me and these Companies, nor any type of written permission to communicate with me. Yet they are Reporting on my credit report, which isa form of communication.I have also file a complaint with Federal Trade Commission about this reporting abuse to my consumer report.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

i was a tenet at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i moved out 3 years ago i want this debt took off my credit report this is a fraud. You can contact me at XXXX XXXX XXXX Thank You
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX continue to report inaccurate dates and refuse to comply with 15 usc 1681b. They are reporting transactions between me and XXXX as late when 15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S. Code 1666b timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also XXXX, XXXX, Equifax is reporting different dates on all three consumer reports which is inaccurate reporting. The privacy Act of 1974 states I am within my rights to request your company to correct or amend my records. 5 USC 522a states that no source agency may disclose any record which is contained in a system of records to a recipient agency or no federal agency for a matching program if such source agency has no reason to believe that the requirements to subsection ( p ) or any matching agreement ( o ) or both, are not being met by such recipient agency. My intentions are to seek damages not limited to {$1000.00} per violation according to 15 USC 1681n willful negligence. I am requesting due to your reporting being inaccurate this for this account to be reported as current paid in full never late. I am requesting all inquiries and promotional inquiries to be deleted from my consumer report. I am requesting all comments be deleted from my consumer report. Thank you for your time and attention to this matter.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

To whom it may concern I previously had XXXX, and was changed to Mohela. I kept on getting phone calls saying that I was approved for student loan forgiveness. Not knowing if this was a scam or not I didnt give any of my information out so I tried to call Mohela and can not get a hold of anybody. They keep raising my payments and Im trying to get on a repayment plan but trying to figure out why they keep changing the amount do to the interest are effecting my amounts. Ive stayed on the phone waiting and I can not get a hold of a person. I want to make sure that the phone calls that I was receiving about me being approved for student loan forgiveness were legit not a scam, I dont know what else to do but to contact you guys to help me. My account number with Mohela is XXXX. Below it is my email my phone number my email does have a Y in it its not a G. 


Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-09
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: Experian Information Solutions Inc. (OK)

15 US Code 1681b-The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
-This congressional law clearly states that the consumer report agencies compile information for the purpose of furnishing consumer reports to third parties. So this company is in fact the furnisher of my consumer credit report, which I never gave written instructions. By law they must have written instructions from the consumer to furnish any information pertaining to my private information. This information that is being assembled and evaluated is not public accessible so therefore my right to privacy is also being violated. 
15 U S Code 1681b ( 2 ) permissible purpose of consumer reports- In accordance with the written instructions of the consumer to whom it relates.

15 U S Code 1681b ( 3 ) states to a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 15 US Code 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With these laws stated you can see how this company is breaking the law by furnishing, assembling or evaluation my consumer information without my written consent or instructions. My private information, which are also identifiers, are furnished by this consumer reporting agency. I demand that this company cease and desist from reporting the following negative accounts on my consumer credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and us department of education accounts XXXX and XXXX XXXX XXXX. These accounts are to be deleted immediately upon receiving this. I
Consumer complaint received 2022-12-23
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-01-24
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022 Report XXXX I recieved results from a dispute of an item placed on my report from I.C . System Inc sharing that the company did not have a collection agency lisence in Georgia or Illinois and could not report any debt to my credit report.I also did not give written consent for this debt to be reported on my credit report. I asked them to research and provided the proof from XXXX consumer access. Experian only updated the account by increasing the owed balance, with no research or proof of research done regarding the collection agency license or written consent to report according to 15 USC 1681 Section 604 A Section 2 and 15 USC 1681 B permissible purpose. 

On XX/XX/XXXX, I disputed again Report XXXX : asking for proof of lisence of collection agency and again it was never provided or researched as the XXXX  Consumer Access clearly shows they do not have a collection agency license in Georgia or Illinois . They allowed XXXX XXXX XXXX to update the account again by increasing the debt by {$5.00} thus harming my credit. 

I am asking that Experian provide proof of research, remove from credit report, and pay me for damages to my credit report.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KY)

Subject : Request for Identity Verification To Whom It May Concern, I am writing to request identity verification in connection with my credit report. I believe it is essential to ensure the accuracy and security of my credit information.