davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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. (NJ)

XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX XXXX XXXX XXXX ( along with the other XXXX inquiries. )
Consumer complaint received 2023-10-06
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. (TN)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, The List of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account name : # XXXX Account name : # XXXX Account name : # 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.

U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I write to you with a deep sense of concern and disappointment regarding an inquiry on my credit report, originating from XXXX XX/XX/2023. It has come to my attention that this inquiry not only stands as an unjustifiable blemish on my credit history but also a direct infringement of the provisions outlined in the Fair Credit Reporting Act ( FCRA ). I believe you are aware of the FCRA and its importance in ensuring the accuracy and fairness of credit reporting. It is evident that in this case, you have disregarded the very tenets set forth by this legislation, including but not limited to sections 15 USC 1681 and 15 USC 1681a. 

Allow me to remind you that the FCRA explicitly defines what constitutes a consumer report and further outlines exclusions from this definition. Inquiries, such as the one from XXXX XX/XX/2023, fall within the purview of exclusions from a consumer report as per the stipulations in 15 USC 1681a . It is abundantly clear that you have overlooked this vital aspect of the law, leading to the inclusion of an unauthorized inquiry in my consumer report. 

Your actions have not only caused undue distress but have also placed me in an unfavorable financial position. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. Your oversight has left me with no choice but to address this matter with the urgency it deserves. 

I hereby demand that you promptly and unconditionally DELETE the inquiry from XXXX XX/XX/2023, from my consumer report. This request is not just based on my dissatisfaction but on your non-compliance with the FCRA, a law that was established to safeguard the rights of consumers like me. 

I expect to receive written confirmation of the inquiry 's removal within 10 days from the date of this letter. Failure to comply will leave me with no alternative but to escalate this matter to appropriate regulatory authorities and legal representatives specializing in consumer rights and FCRA violations. I am prepared to exercise my rights and pursue necessary actions to rectify this situation.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

In XXXX, I had opened an item not as described dispute for about $ XXXX with Chase Bank for XXXX XXXX that I received a broken XXXX, instead of the XXXX working XXXX I had ordered. I had already returned these items prior to the dispute so I had been asked to provide return tracking number which I did. 

It is now XXXX. I hadn't received any additional correspondence asking for any additional information regarding the dispute, and randomly I got a debt letter asking for the amount that I had opened the dispute for out of nowhere. I paid the debt and had asked why this debt was in my name. It was because I lost the dispute WITHOUT ANY NOTICE WHATSOEVER. I contacted Chase, paid the debt and asked to reassert this claim because it was wrongly declined. 

They refused to reassert the claim. I couldn't believe it. I just lost $ XXXX from a bank that did not want to help me regarding this dispute. I asked for the reasons why it was denied. It was due to no evidence of correspondence from the seller asking me to return the item ( which I had!!! But was never asked for!! ) and because the seller said they didn't receive the return ( which the SELLER DID CONFIRM! AND I HAVE A RECEIPT FROM THE POST OFFICE SHOWING THAT TOO! THATS WHY I OPENED THIS DISPUTE! ) so I was asked to fax evidence of those things. I sent a police report, pictures of my item, the return tracking, return receipt, a notarized post office letter saying it was delivered to the business 's address, and all the correspondence in between of them saying they received it. 

And now nobody wants to help me. I'm getting disrespected over the phone, hung up on, called names, because I trusted Chase to get my money back for me for an open and close dispute. They have my money. And they have my items now too. I filed reports that are illegal to lie on. Why don't I get a refund? Or at least something? Not get a debt collector notice in the mail out of nowhere.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX would withhold my money and were not truthful in relaying information as to why this happened. Finally when I asked them to close the account they didnt and eventually charged me even if they made it seem like this was ok. I would call and be redirected countless times as a tactic to get me to hang up.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OH)

I was a Sams Club MasterCard holder, and a Lowes card holder both issued through synchrony bank. Both cards had been hacked into and had my address changed to addresses in California. I live in Ohio. I did not grant this permission. I found out by checking my credit report. I called and reported all the activity was fraudulent. They took care of the fraud. However, they keep allowing the same people to have new cards re-issued to them. I have called and asked them several times to please close the accounts and not allow them to be reopened. I talked to the fraud department and have been hung up on in the middle of a conversation several times. I have asked to speak to managers and nobody will allow me to speak to a manager. I just want the cards closed so that people can quit making charges on new fraudulent cards that are through my credit. I filed a police report and a fraudulent dispute through experience. I just can not get them to stop issuing new cards to anybody under my credit. please note the credit card number I put in has been closed. I do not have the current number that has been reopened to somebody in California. The only people that have that number are the ones that have access to the account and keep making fraudulent charges.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I bought tickets for an event from a friend on XXXX who claims they got hacked. I sent the money via XXXX and my bank will not dispute the charge. I believed this was a friend and that is why I paid because it was someone I knew. The bank never got back to me until I called and found out for myself and they said a resolution was already made. No one informed me until I had to find out for myself.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed unauthorized inquiries on my report. I believe according to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed!! 

Below are the list of accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

incorrect information on my credit report XXXX XXXX, experian for my name and address. 

my name is XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, marlyland XXXX
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (OR)

In behalf of my son, I am hoping you might be able to help me out. Back in May of this year, XXXX, he got word from my coworker that he received a check of the amount he paid towards his loan for XXXX XXXX XXXX - XXXX, XXXX. He told him to look into it to see if he would be getting paid as well, because they both went to the same school at the same time. So he started researching and found the article that was from last XXXX stating that students that went to XXXX would be having their loans discharged. So he contacted Aidvantage and they told him to contact the borrowers defense hotline. So he did that and they told him to contact the loan servicer. So hes just getting tossed back and forth with information that is not helpful. Hes hoping that you can help with giving us better information than those two resources. I know how much he paid to his loans and he just wants to know if and more importantly, when he should receive his discharge refund. So if you or the others at this financial group could help, that would be greatly appreciated. 
I, the parent also had a parent plus loan in which I made payments, in approximately {$36000.00}, which was paid off.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Herbert P. Sears Co., Inc. (CA)

* Collection Agency XXXX XXXX XXXX XXXX, XXXX Date Assigned XX/XX/2023 XX/XX/2023 {$1500.00} 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 crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

i have contacted Experian, XXXX and XXXX about XXXX XXXX reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with XXXX, and that my rights have been violated under XXXX. 
Additionally i am allowed under XXXX XXXX TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that XXXX does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting Experian, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and XXXX AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES
Consumer complaint received 2023-10-06
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. (GA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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 Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

PLEASE REMOVE THESE ITEMS These accounts and inquiries aren't mine, I contacted the companies several times I was told these accounts and duplicate inquiries were removed and I still see them! ACCTS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX, AND XXXX XXXX XXXX ACCOUNTS NOT MINE SAID THIS IS FROM 9 YEARS AGO, SAID IT WAS REMOVED BUT I STILL SEE IT!!!
Consumer complaint received 2023-10-06
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. (CA)

This is my second 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 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 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 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 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
Consumer complaint received 2024-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (FL)

I was inappropriately charged interest on my account while in administrative forbearance. When I initially started in the save plan with Aidvantage on XX/XX/XXXX I had total interest of XXXX. by XX/XX/XXXX I was up to XXXX of interest which was likely miscalculated given the total interest starting from XX/XX/XXXX set at interest rate of XXXX XXXX would have been around XXXX. During administrative forbearance from XXXX until XXXX I was charged another XXXX XXXX in interest. My total interest on XX/XX/XXXX was XXXX. Then on XX/XX/XXXX was XXXX.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my second 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, KY XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX  - XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$4500.00} ; XXXX XXXX, I ( Original Creditor Name : XXXX  XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX  Balance : {$720.00}.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery informed me that after the debt was paid off the debt would be removed from my accounts. Both accounts are still on there, and then they told me that they didnt receive the final payment even though Ive sent them proof of that final payment ( included ).
Consumer complaint received 2023-04-19
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. (PA)

My name is 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.