davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (WI)

After my initial call to XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. I was called constantly from the recruiter to enroll. He told me several times that they had a XXXX XXXX graduate placement with several connections to XXXX XXXXXXXX XXXX XXXX XXXX in the city of XXXX XXXX, WI. I was told the overall cost would be {$42000.00} to complete my XXXX XXXX. My decision to continue my education was based on that number. The final cost was much more than originally quoted by the recruiter ( about {$20000.00} more ; to which they never gave me an explanation ). I won the XXXX XXXX XXXX scholarship from XXXX XXXX XXXX XXXX XXXX ; it was to be {$25000.00}. Apparently I tied with another student and they split the scholarship between the two of us for {$12000.00} each. Between the time I graduated and when I started paying my loans, XXXX XXXX XXXX XXXX XXXX managed to add about {$20000.00} to my debt. They also failed to apply my scholarship ( from their own institution ). 

They told me that they would assist me in finding a job after graduation and that they had several contacts in the XXXX XXXX, WI area and the base salary for a first year XXXX XXXX  would be about {$50000.00} per year ( XXXX ) and they had a XXXX XXXX job placement rate. As a matter of fact, I was contacted by an employment specialist, who was reading through the XXXX XXXX, WI local job listings and was suggesting I apply for " XXXX XXXX  '' jobs. I asked about their contacts in my community and he said they didn't have any. I was able to find a XXXX job as a XXXX XXXX for the XXXX XXXX, just to make ends meet. After a few months of NOTHING, I was able to find a job as a " XXXX  XXXX '' for a XXXX XXXX XXXX ( NOT RELATED TO XXXX XXXX  AT ALL ). When the employment specialist found out I was employed, he told me that he was closing my file and " good luck ''. 

In XXXX I enrolled in a XXXX XXXX course at XXXXXXXX XXXX XXXXXXXX XXXX and was told that none of my credits would transfer from XXXX  XXXX XXXX. I was also told from the recruiter at XXXX XXXX XXXX that they were XXXX Accredited ; only to find out after I graduated that it did not pertain to the " XXXX '' degrees. I have never held a position as an XXXX XXXX  ; and was once told in an interview that " my degree from XXXX XXXX XXXX will open doors ; but is basically useless ''. 

My Federal Loans have been discharged through the XXXX XXXX XXXX lawsuit. I have been paying religiously on my private loans and they are current. Today the Biden-Harris Administration Approves {$6.00} Billion Group Student Loan Discharge for 317,000 Borrowers Who Attended XXXX  XXXX XXXX ; this applies to the Federal Loans ( which mine have been discharged ). I would like to stop paying on my private loans and receive a refund of all payments from this predatory institution.
Consumer complaint received 2023-08-11
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)

In accordance with the fair credit Reporting act these companies have violated my rights. 
XXXX XXXX Acct # XXXX, from XXXX XXXX XXXX XXXX # XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX 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
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NC)

Sharing my non-public information to third-party. That's is a against the law! 

15 us code 6802 16 CFR 313.10 16 CFR 313 16 CFR 313.4 initial privacy notice to consumers are required. 
Privacy of consumer information I also didn't receive any disclosure or did they give me the chance to opt out of sharing my non-public information it's required by law. Limits on disclosure of non-public personal information to non-affiliated third-parties. Again I did not receive my notice, the disclosure letter nor did I have the opportunity to opt out. I did no consent to sell/share my non-public personal information
Consumer complaint received 2023-08-11
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. (CA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that 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 if no documentary evidence is found in accordance with FCRA, 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.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries below : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

I called and spoke to a representative at Comenity Capital Bank/Alphaeon Credit on numerous occasions to update my balance to ALL 3 Credit Bureaus , which should be {$0.00}. I paid this credit card account off on XX/XX/2023. This creditor refuses to report my updated {$0.00} balance and as of XX/XX/2023, all 3 credit bureaus are still showing that I have a balance of {$2300.00}. 

This has caused my credit score to remain stagnant and my utilization percentage to reflect more negatively. This also causes me to not qualify for a fair percentage rate when buying a home or vehicle. 

This creditor needs to immediately update my balance with ALL 3 credit bureaus to reflect a {$0.00} balance with ALL 3 credit bureaus. I also need this creditor to have ALL 3 bureaus reflect that this account was paid off in XX/XX/2023 and not the date of correction.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX, am writing in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The following inquiries are on my consumer report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-23
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX, am writing in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The following inquiries are on my consumer report that were not applied for by me : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I opened my American Express cards from last year XXXX and hit the sign-up bonus and got my points in XXXX. Several days later after getting the points, they took them back and told me it's under review, which took them 3 months until XXXX this year to give them back to me. I had talked to many agents and they didn't really solve the problem. Afterward, I got other AMEX cards and got other points in XXXX. And yesterday as I was trying to transfer my points to XXXX XXXX to book my flight, the system said my account and points are being reviewed again! It's been like this on and off for 7 months! I talked to many agents in the meantime and all they told me was to wait and there is nothing they can do! I feel like being fooled around. According to AMEX terms, the points will be issued in 8-12 weeks MAXIMUM after I hit the spending requirement. And now it's 7 months and I still can't use them!!! What is the point!? Even if they decided to review my new accounts, why would they also freeze the points I earned from my old credit cards from last year??? This is like a trick to me. I really need to book the flight and now they froze my account and points. And there are no fraudulent or suspicious activities happened on my account. I even pay the full amount each month to my cards.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WV)

I have but one question to ask XXXX XXXX as I file a complaint against both the debt collector and XXXX XXXX. Why did they not adhere to their own contract agreement with me. ( XXXX XXXX 30 days no questions asked cancelation ) Because, in fact that is what I did, canceled before the 30 days had ended. Yet after repeated calls to XXXX XXXX they never canceled my account, as requested. Allowing multiple months to build up, and created the debt so that they could charge it off on their taxes. They ( XXXX XXXX ) are now continually assaulting me financially with debt XXXX. Whom shouldn't even be collecting the debt. Due the fact, it isn't even supposed to exist. Because once again, I canceled my account with XXXX XXXX  with-in and before the 30 day contract of no questions asked cancelation ended. 

XXXX XXXX
Consumer complaint received 2024-04-30
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WEBSTER BANK, NATIONAL ASSOCIATION (GA)

My XXXX XXXX XXXX XXXX a division of Webster Bank, N.A., Member FDIC, is asking for me to repay {$500.00} I used to purchase glasses at XXXX. I purchased the prescription glasses on XX/XX/XXXX. This is within the time frame ( through XX/XX/XXXX ) allowed by my employer to complete yearly charges for my FSA. I was sent a receipt request on XX/XX/XXXX, almost two months AFTER my purchase AND three weeks after the allowed purchase date, asking for a receipt. I uploaded the receipt on XX/XX/XXXX. They are now asking for repayment. The receipt clearly shows the purchase was made within the allotted time.
Consumer complaint received 2023-08-11
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. (KY)

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 2022-12-13
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. (GA)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (GA)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states that the foregoing is true snd correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services or money, and was successful in creating some accounts. all is being investigated by the FTC
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I onderdeed a part for my car from XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX on XXXX XXXX, 2022. Their policy states that it takes up to 10 business days to receive the part refer here XXXX XXXX XXXXshipping However, it took until XXXX XXXX for my Mechanic XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX to receive it. I had to call the vendor up to 10 times to make sure they were going to send it and got numerous excuses from them. Upon working with the transmission, the mechanics had determined that the item ( sent to him directly ) turned out to be defective. He said he was going to file a dispute with XXXX XXXX XXXX. The vendor said I would have to contact them directly. 

I contacted the XXXX XXXX XXXX regarding the dispute and they gave me two options : refund or replacement. I chose the replacement option and was told that they already have the part in stock and that they will send it through their quality assurance department and will send it in 1 week. That was on XX/XX/2022. So that would take us to XX/XX/XXXX for shipping out date. They took me through the same conversation that it will be sent 3-4 days plus up to 10 business days for delivery based on company 's policy. I spoke with the person named XXXX  who actually never finished the conversation and hung up in the middle of it. It has been 26 business day since then and the vendor has not beer returning my phone calls.

Since I have not been able to get ahold of the vendor and have not had a single update, I decided to flag this transaction with my Chase Credit card. I reached out to them XX/XX/XXXX to explain the situation. The rep told me to go back to the vendor since they do have a 5 year return policy. I explained that I couldn't get ahold of the vendor but was told that the issue is completely on me and they can't help me get the money back. 

Today, I have received an electronic communication from Chase stating that my request for investigation is denied stating the purchase did not meet the return policy guidelines. Which is incorrect since the return policy is in fact 5 years AND the vendor themselves had agreed that they would issue a new part due to the defect. You can see the policy here XXXX XXXX XXXX  The Chase XXXX XXXXXXXX never asked me to submit any type of proof of what happened or any paperwork describing the vendor 's policy. They simply rejected the claim without any investigation.
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX XXXX collections keeps calling my elderly parents looking for me. I did not give permission for them to contact and harass my parents or my work. My parents are elderly and hard of hearing and do not need the worry. They have my address and my phone number. They should not have contacted anyone but me.
Consumer complaint received 2023-08-11
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX