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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2024, we were charged the amount of {$1600.00} to our checking account via our debit card. Neither my wife nor I initially recognized this charge, and so we each made reports to Chase Bank about it on XX/XX/XXXX and XXXX, not having consulted each other. As a result, Chase opened 2 separate claims for the same charge ( something they later explained to me on a customer service call that they should not have been able to do ). On XX/XX/2024, the charge was processed and we were charged {$1600.00}. On XX/XX/XXXX, the claim reversal went through and we were credited back that amount. Approximately a week later, however, the charge was found to be authorized, and so one of the claims was closed and the charge went through, and on XX/XX/XXXX we were again charged {$1600.00}. 

At this point we still had one claim open, and so I called Chase Bank on or around XX/XX/XXXX to attempt to close this second claim. We were told that the claim that was still open was the one that had credited us the money, and the claim that had closed was the one that had charged us, and as a result closing the other claim would result in us being charged a second time, but that they would credit this money back to us within 5 business days so that we do not pay twice. The second charge went through on XX/XX/XXXX, and we were again charged {$1600.00}. 

Three weeks later we still have received no credit and have been charged twice. Upon calling Chase this morning I was kept on hold for over an hour before being told that the charge would be reversed again in 5 business days. I asked for verification of that in writing in case the funds once again did not materialize, and the representative disconnected the call without any confirmation. I called back shortly thereafter, and was kept on hold for an additional hour while they went through the same process as the previous representative, but again could not provide me with any information about whether the money would be returned to us.

Attached in the documents are the four notices we received regarding our claims, as well as confirmation of the order for the purchase in question.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX 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 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have attached. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances.

I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-09
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (OR)

My savings account with Apple / Goldman Sachs has been frozen, leaving me unable to access my funds. 

Multiple attempts to remedy this via their support channels have been unsuccessful. 

Currently Im waiting on a telephone call from their ID verification team but they have no time estimate on when I can have access to my funds. 

Theyve previously verified my ID via phone call only 1-2 weeks ago when a similar problem arose with my attached credit card and so I have little confidence that unlocking my account will provide me with stable access to funds. 

This has been incredibly disruptive and I plan to withdraw all money from the account the moment Im able to.
Consumer complaint received 2024-08-09
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. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-09-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX 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 XXXXXXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ). 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-03
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Hello, I'm sorry if this is not the correct category, but I would like to file a complaint against Navient, as they will not work with my situation. Every month I pay my bill down and ask if there's a program that can help me lower my payments. Every time I've asked they quickly say no that they do not have any programs for me that can lower my monthly payments. 

I had late payments with Navient in the past, but have been working hard the last XXXX years on staying on track with my monthly bill and keep it current. I feel that I'm paying my loans off, but it's barely affecting my balance and by that time, my interest rates are adding on. 

Even with keeping my account current Navient refuses to help me, not even a little bit.
Consumer complaint received 2024-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Nelnet student loans has been stealing money from those with student loans. They claim they can not draw money from my checking to pay my loan. Every time I pay over the phone, using the exact same account, I do not have issues. When setting up the auto pay I used the exact same account. They claimed I They couldn't withdraw the funds ( there was more than enough in the checking account ) and then put my loan in forbearance, allowing themselves to make more on the interest of my account. I went online to see if others were having similar issues and was shocked to see what seems like EVERY person with nelnet loans has issues. I've made claims with studentaid.gov and they just forward them to nelnet who does nothing.
Consumer complaint received 2024-10-03
Product: Credit reporting 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)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccura
cies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-03
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My checking account was compromised for {$14000.00}. It was cashed, and the check was obviously fake # '' XXXX, and was signed by the person who received the cash who was not on the account. This amount is also very out of my norm and should never have gone through.
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-24
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: Bridgecrest Acceptance Corporation (TX)

I am writing to formally request the Consumer Financial Protection Bureaus assistance in removing inaccurate information from my credit report. Despite my repeated efforts to dispute the information with the credit bureaus, and creditors the inaccurate data has not been corrected. 
I was on vacation when my wallet was stolen and somebody took my Information and got accounts in my name. I would like all agencies to delete these false claims because I can note get approved for loan with my credit being so poor. Please delete all negative accounts I have listed on the FTC report. FTC Report XXXX XXXXXXXX. 
This continued failure to address my concerns is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following inaccurate information is being reported and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. I have contacted XXXX, XXXX, And XXXX. Under the FCRA, the credit bureaus are legally required to ensure that the information on my credit report is accurate and must remove or correct any disputed items after a thorough investigation within 30 days. Additionally, the FDCPA prohibits debt collectors from furnishing inaccurate or misleading information, and by failing to comply, they are violating my rights. I demand that the CFPB : XXXX. Investigate and intervene in this matter to ensure that the credit bureaus promptly remove the erroneous information from my credit report. XXXX. Issue a cease and desist order to prevent further reporting of these inaccuracies. 
XXXX. Ensure full compliance with federal law and that all future credit reporting is accurate and fair. If these issues are not resolved in a timely manner, I will consider pursuing further legal action, including complaints to the Texas Attorney Generals Office and potential legal remedies for damages resulting from non-compliance with the FCRA and FDCPA. Enclosed are copies of previous correspondence with the credit bureaus, as well as supporting documentation ( e.g., payment records, statements ) to substantiate my claim. I request written confirmation that the inaccurate information has been removed from my credit report within 30 days. Thank you for your prompt attention to this matter.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to Bank of America in XXXX TX ( XXXX XXXX ) on today to cash a {$1500.00} Check that was given to me by an organization. I '' m not a member of BOA but I had proper identification. I was told by both the teller and Supervisor ( XXXX ) that I coud n't cash the check and they couldn't tell me the reason. I was told to go back and get another check from the organization but I had no information to take back to the organization in order to ask for another check. I went down to another BOA location where the check was perfectly fine & cashed. I then went back the previous location to find out why they werent able to cash the check but the other location with the same system could. I was told that they should not have cashed it and still no reason given. I felt like this was definitely an act of XXXX discrimination and profiling.
Consumer complaint received 2017-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have notified Capital One Auto Finance that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc. (NC)

Self lenders said that I had an account in which I never had an account with them! I was a victim of XXXX XXXX.I provided police reports and all documentation that was need to show inaccurate information.It was in the amount of XXXX account number XXXX.