davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (NY)

I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of 2002 . This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 usc 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

A few weeks ago, my accounts were frozen, I have called Chase customer service several times and no one could tell me why my accounts were locked. I have not received a letter or call from anyone explaining why. I have been trying to get MY money out from my account for several days now. Every time I call, they tell me I can go the branch and a branch XXXX can override and withdraw my money for me, since I am not able to withdraw anything myself due to the accounts being locked. When I do go to the branch, the branch XXXX is extremely rude and refuses to help me. I even had a representative on the phone in front of her telling me she is able to override and withdraw for me. The branch XXXX still refused to help me. This has been an awful experience. I need my money. I have many bills I need to pay.
Consumer complaint received 2023-06-05
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX  Balance : {$6500.00}
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MO)

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
XXXX. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 
XXXX. Do not sell or transfer this debt to any other third party. 
XXXX. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion performed an investigation on XX/XX/2023 related to the account VA XXXX XXXX XXXX XXXX # XXXX. The investigation results indicated that the BALANCE = {$1900.00}, the PAYMENT STATUS = 120 days late, and there are THREE 90 days late payments. All the previous data is incorrect to include the balance, payment status and payment history. I do not have a balance, I am not in a late payment status and I have never been late.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX There are discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. The reported last activities differ across XXXX, XXXX, and Experian, with Dates of XX/XX/XXXX, for Experian, XX/XX/XXXX, for XXXX, and XX/XX/XXXX, for XXXX. A notable incongruity is evident in the representation of my payment history. XXXX indicates 8 instances of 90-day late payments, while Experian reports only XXXX, resulting in a significant inconsistency. Moreover, there is a variance in the on-time payment percentages, with Experian reflecting XXXX XXXX and XXXX documenting XXXX XXXX. Furthermore, specific entries in XX/XX/XXXX, differ, as Experian reports a collection charge, whereas XXXX records an on-time payment for the same period. In light of these inconsistencies, I kindly request a comprehensive investigation into the matter and the implementation of necessary actions to rectify the inaccuracies present in my credit report. 


15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
15 U.S. Code 1681i ( 2 ) ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 


15 U.S. Code 1681 ( b ) - Congressional findings and statement of purposeIt 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TN)

My student loans were transferred to XXXX from AidAdvantage months ago. Both student loan servicers are reporting open with $ XXXX balances. AidAdvantage should be {$0.00}. My only open servicer is XXXX. I disputed with the credit bureaus and also contacted AidAdvantage.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (WA)

I have credit karma app. The app would tell me I need a new card to help my credit and to build more credit score up. They would say I'm approved for these 3 cards or so then I would apply and be denied. Which in return doesn't help my credit it makes it worse. They continually push these cards on u saying they will help you. When in actually it doesn't help you it hurts you even more. That is misleading and false this has set me back months maybe more.they should have to held accountable for this.
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

I have a Lowe 's credit card. Payments are made on the outstanding balance every 2 weeks automatically. These payments cover the entire amount due over the 4 weeks. But, after talking to Lowes today, I found out that they do not put any early payment towards the amount owing. Instead, they put the early payment towards the balance. Then, when the 2nd payment is received, they put that towards the required payment. Sometimes, this is not enough to cover the entire required payment but in addition with the early payment, it is enough. Then, Lowes will charge {$41.00} in late fees every month. 
For example, last month was a required minimum payment of {$72.00} and 2 {$50.00} payments were made. I was still charged {$41.00} in late fees even though {$100.00} in payments were made. 

Thank you for your assistance. 

XXXX XXXX
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: EQUIFAX, INC. (CA)

I have reached out to Equifax about the inaccurate information they are reporting on my consumer report numerous times. They have not sent any method of validation on these items or have they followed procedure to ensure maximum possible accuracy of my report. I swear under penalty of perjury that this information is true to the best of my knowledge.
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services (IA)

I sent a letter to AAMS LLC requesting specific information to validate the accounts theyre reporting on my credit report and have yet to receive that information. They are violating my HIPAA rights! They are reporting medical information without a HIPAA Authorization form which is illegal. How are they able to get my private medical information without my consent? I am ready and willing to file litigation if this matter isnt fixed immediately.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (AZ)

National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact National Credit Systems and XXXXXXXX XXXX  and XXXX correct and remove this inaccurate info from my credit report.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NJ)

This is my third complaint filed regarding EdFinancial. My initial issue was that I was unable to create a user name and password to even access my account. As it turns out, while they were transitioning to their new system, they used an old address despite the fact that they were previously in possession of my new one. I know they were in possession of my new address because I received patently false information from them in the XXXX XXXX XXXX via postal mail to my current address advising that I qualified for PSLF ( I do not ). 

Thankfully, I was finally able to actually speak with a human being who could help me with creating my account. I applied for and was approved for the SAVE plan, which is helpful, but now I'm receiving correspondence from them telling me that they will report missed payments to the credit bureaus starting XXXX, which is not in line with federal guidance ( according to my own knowledge ). As distressing as this is, I was advised that the best way to fix this by one of their employees was to not pay my XXXX bill with the SAVE amount. When I asked the employee to send me documentation of his advice, he refused. I'm just at a complete loss, and Edfinancial is no longer responding to CFPB complaints. I really need help. I'm terrified that this mis management will destroy my credit.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALPHA MIDCO INC (FL)

I sent them a debt verification letter via Certified mail on XX/XX/scrub>XXXX  and gave them 30 days to respond and they never responded and they still have things negatively reported on my credit report. I tried disputing it on all 3 credit report companies prior to sending this letter, but it still stayed on so i sent them a debt verification letter and never received a response and its been after the 30 days of notification and still nothing... The letter was sent certified via usps, The so-called debt in question is in the amount of {$4200.00}.
Consumer complaint received 2018-04-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

After two attempts to resolve the issue regarding California Check Cashing Stores of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and the unauthorized filing of my XX/XX/XXXX Income Tax Return. No only did CA Check Cashing Stores file my XX/XX/XXXX Income Taxes without authorization/permission, they continue to lie to the Consumer Financial Protection Bureau.

CA Check Cashing state that I authorized and signed a form giving permission to file my XX/XX/XXXX income taxes. They have submitted a fraudulent form to the Consumer Financial Protection Bureau. The Form submitted has a signature, but IT IS NOT MY SIGNATURE. I NEVER AGREED TO HAVE MY TAXES FILED AND CERTAINLY DID NOT SIGN ANY FORMS.

What can Consumer Financial Protection Bureau do for Consumers?????? This is the third and last complaint. I feel that I have exhausted all other avenues for resolution. The final step is hiring professional counsel. So if Consumer Financial Protection Bureau has any authority regarding dealing with Fraud and this CA Check Cashing Company, I request that action is taken immediately. We are reaching the end of the tax year and no amendment has been made thus far. Thanking you for your time regarding this matter.
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (SC)

XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Disputing Inaccurate Accounts on My Credit Report- Smith vs. Experian Dear Experian, I am writing to dispute specific accounts on my credit report due to incomplete and inaccurate information, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies in these accounts are negatively impacting my credit standing, and I am requesting their immediate removal. 
On my report, as shown in the attachments to this letter XXXX XXXX, is reporting inaccurate information. There is no opening date, the account status says open when its actually closed. The last reported, date last active, and date of last payment are incorrect. The report for XXXX is also incomplete which is a violation. The two year payment history on my report is missing information which also makes it incomplete. I am demanding removal. 
I kindly request a thorough investigation into these matters in accordance with the FCRA guidelines. I anticipate the swift correction or removal of inaccurate or incomplete information from my credit report. 
As a relevant reference, I would like to bring to your attention the legal case of Smith vs. Experian, where Experian faced legal consequences for similar inaccuracies in reporting. This case highlights the importance of addressing the rectifying such matters promptly and in compliance with regulatory requirements or standards. 
I am copying this dispute letter to the Consumer Financial Protection Bureau ( CFPB ) and the South Carolina Attorney Generals Office to ensure proper oversight and attention. 
Thank you for your immediate attention to this issue. I look forward to a prompt resolution. 

Sincerely, XXXX, XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I disputed these accounts numerous times to The creditors and the credit bureaus and they still refused to remove it of my XXXX report. Im attaching my police report and Irs letter for proof of identity theft Also I need all of these fraudulent accounts to be removed immediately and the inquiries listed below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ALL TO BE REMOVED OF MY XXXX AND EXPERIAN CREDIT BUREAUS!!
Consumer complaint received 2023-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (UT)

I filed a previous complaint because the company refuses to update my information to the correct pay dates and I was getting charged over draft fees. I filed a complaint before and they never got back to me or responded to me but seem to have taken down some info? They just credited my account for the overdraft fees and I received no other correspondence or information. I attempted telling them the correct days to pull out of my account to which they disregarded again. I am now being charged additional overdraft fees and they are charging a full day earlier than what they claim in the app. This is the second time I have been willfully mislead by this company.
Consumer complaint received 2023-06-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I mailed a third section 609 dispute letter to Experian on XXXX XXXX XXXX  for account XXXX XXXX XXXX. It's been over 30 days and the matter has not gotten resolved. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that this item was being " reported correctly ''. But they did not provide me a response within 30 days nor did that respond have any documentation that verifies the information. Credit company is not complying with their own policy in a timely manner. I'm attaching the letter that was mailed out to them.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I contract EQUIFAX ON XX/XX/2022 ABOUT AN DISPUTE ABOUT A BANKRUPCTY ON MY CREDIT REPORT, ON MY REPORT EQUIFAX SAY THEY GOT THE INFORMATION FROM XXXX, I CONTRACT XXXX WITH THE HELP OF THE CFPB, XXXX SEND A LETTER BACK SAYING THIS BANKRUPCTY IS NOT ON YOUR FILE, SO I SEND EQUIFAX THE SAME LETTER, THEY STILL REFUSE TO DELETE THE BANKRUPCTY OFF OF MY CREDIT REPORT, EVEN THOUGH THEY HAVE THIS LETTER FROM XXXX, WHICH THEY HAVE ON THE WEBSITE, SAYING THAT THEY GOT THE INFROMATION FROM XXXX ....
Consumer complaint received 2022-11-27
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. (KY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 consumer reporting agency can not furnish a account without 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 any purpose