davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (FL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX {$12000.00}
Consumer complaint received 2024-01-31
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. (OH)

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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check for {$27000.00} for goods in which {$9800.00} was to be wired for the freight portion of the order. 
I called Chase on XX/XX/XXXX to make sure the funds from the check were clear and that there was no way the check could be stopped ( I felt like there was something fishy with this new customer ). They assured me that the money was in my account and it could not be rescinded. I have a receipt from a XXXX minute phone conversation on Chases recorded line. 
With that information from Chase, I sent the wire, only to learn the check was stopped a day later. Further, I received 3 letters on XX/XX/XXXX dated XX/XX/XXXX stating the check was on hold. 
So when I spoke to Chase on XX/XX/XXXX, those funds were already on hold. From Chases negligence and false information, I wired the money, which I never would have done if they didn't give me this information. I was assured by Chase several times when in fact the check was flagged and it should have been communicated to me. 
Further, I spoke to the recipient bank and they informed me that they called Chase three times to stop this wire that they knew it was fraud. Chase did not contact me in any way. They released the funds. I was told they were extremely rude to the recipients bank. They then sent an email through a federal line to beg Chase not to release the money. They have since canceled his account because they knew he was a fraud. I have a written email from the scammer admitting that he scammed me and good luck finding him. 
I have been calling Chase for 4 months, at least 2 times a week. I have reached the executive level and still no help. I have spoken to over XXXX people and have been mistreated to a level of me crying over the phone on more than one occasion. Chase has done nothing to protect me as a loyal customer.

They do more to protect the scammer.

I have filed a police report and simply want this taken care of. I am desperate and need to find a resolution to recoup my money.
Consumer complaint received 2023-06-04
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: Bread Financial Holdings, Inc. (FL)

I have tried to contact the credit card bank. The phone number goes to a recording. I have left a message to call me and never received a follow-up response.The bank 's address is only a XXXX XXXX XXXX. 

My XXXX credit score went from XXXX in XXXX XXXX XXXX down to XXXX in XXXX XXXX XXXX  on my XXXX card statement. 
Comenity Bank/XXXX XXXX XXXX XXXX XXXX, Ohio XXXX They allowed someone to open a credit card under my name and the final charge is currently at {$9500.00} The account has been closed, my credit score has returned into the XXXXXXXX XXXX. 
However, the debt continues to remain on my credit history. 
I would very much appreciate having it removed from my credti history. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In 2021 XXXX dollars XXXX times was stolen from my bank american prepaid debit card when I asrd the bank to investigate they deactivated my card when it was reactivated weeks later they XXXX dollars was missing from my account when I reported it they said they'd investigate I was sent a new card but my funds weren't replaced I was given the run around so much that I gave up fighting them and until this day I haven't received an explanation or my funds
Consumer complaint received 2023-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (NC)

AWA COLLECTIONS XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX account. {$570.00} past due as of XX/XX/2023. 

XXXX account. {$570.00} past due as of XX/XX/2023. 
Past Due Amount {$570.00} Original Balance {$490.00} 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection ( b ), ( c ) 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692g - Validation of debts Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My privacy rights have been violated and so have my hippa rights as a medical bill is private personal information I did not agree for my personal information to be sold off to a third party collection agency I have never been to this facility Ive asked for the original proof of validity for this debt The address associated with this debt does not exist I have not gotten any notification of debt or collections from any of the companies requesting payment for the debt amount Yet its reporting to my credit profile without them verifying its validity to me AWA Collections is also illegally processing debt in a state it is not authorized or licensed to operate in AWA Collections is not authorized by NC to practice debt collection
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (PA)

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX pa XXXX Email XXXX Account 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding The deletion of this account listed immediately
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST INTERSTATE BANCSYSTEM, INC. (WA)

Hi, I opened my account on XX/XX/2023 at XXXX XXXX XXXX branch with XXXX XXXX, I tried to enroll in online banking a couple of days ago and the application was declined without any information. 
I contact the banker to fix this and I was refered to customer service, which are never available to pick up the phone.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

I was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with NFCU when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up on my credit report.
Consumer complaint received 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (MI)

I am really hurting financially and have XXXX XXXX XXXX XXXX XXXX XXXX. The doctors are researching other issues. I am unemployed and living with my parents who are on social security and in their XXXX 's with serious health problems. I filled out an application for the RP program and sent it with XXXX checks. They have not posted it yet and I am getting collection calls. XXXX from an agency that I have never heard of. The point is that XXXX of my loans is with the National Collegiate Trust. They buy and sell loans, I find this to be unethical. Well they can not give me my original promissory note due to my understanding they do not know who owns the note. My family can not continue to pay these loans. i am meeting with a XXXX attorney and eventually will not be able to work. AES has been terrible to work with and they will not let me talk to my loan servicer me who it is ; it has been changed to my understanding. National Collegiate Trust I believe owns part of it or should I say buys and sells loans. So that investors can make money of my back of struggling to survive. That is twisted and unethical. My parents are in their XXXX 's and XXXX as well ; we can barely survive right now. The future looks bleak with the imminent collapse of the stock market and economy.
Consumer complaint received 2022-09-02
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: Velocity Portfolio Group (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15USC 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 2023-01-12
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services (NC)

As a new college grad I found my first job after the economy was at an all time low which made the ideal high paying entry level job a false hope for most of us entering the job market. I struggled to pay my student loans but made the payments on time, utilizing the forbearance option when money was tight. While thinking I was on this program two consecutive months the payments were actually late which would change my life up to this very day. The student loan company Ed Financial broke my loan down to XXXX different loans which they reported to the all the credit bureaus as 22 late payments. My credit dropped instantly and although this was 4 years ago there 's no way to repair credit or creditors to trust you with such a negative payment history even if I made hundreds of on time payments going forward. They refuse to remove them even though it is a complete violation of fair credit reporting since it was two late payments not 22. This is effecting my life my future and my family.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.
Consumer complaint received 2017-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

this company popped on my credit report. i called the company and kept going straight to voicemail and no one ever answers. it states the account was opened on   XXXX   XXXX   XXXX     and I did not open an account on this date for this type of balance with anyone. this company have stolen my identity. after reviewing this company on websites, there are numerous people they have done this to trying to collect money and is a fraudulent account on credit reports.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/year>, I placed an online order with XXXX XXXX XXXX, located at XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, TX XXXX. I work across the street and used to eat there frequently. The online order processed under " XXXX '' with transaction ID XXXX for a total of {$11.00}. When I walked to the restaurant, the doors were locked with chairs stacked against them. No one answered the phones and several other people were standing out front confused. I ended up filing a dispute with my bank, SoFi. 3 months later, they have declined my dispute and refuse to look into it any further. A simple XXXX search will show that this location is permanently closed and the User reviews back that up. They have been combative and refuse to take any calls or respond further to my emails. It's not much money, but it's mine.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (TX)

Ive several incorrect late payments and delinquency on my credit report which is false. 
XXXX : XX/XX/year> XXXX bank shows as Late/ delinquent = {$2500.00} XXXX : XX/XX/year> XXXX credit account shows as Late/ delinquent {$100.00} XXXX : XX/XX/year> XXXX XXXX XXXX shows as paid off but reported a late/ delinquent payment on my report XXXX : XX/XX/year> XXXX XXXX XXXX also shows as Late/ delinquent = {$350.00} XXXX : XX/XX/year>XXXX XXXX XXXX shows as late/ delinquent = {$4000.00} XXXX : XX/XX/year> XXXX XXXX XXXX, shows as a collection on my account and its Late/ delinquent = {$490.00} XXXX : XX/XX/year>XXXX XXXX XXXX bank reported Late payment/ delinquent account of = {$2200.00}
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX 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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts 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 these 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 2023-05-29
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. (TX)

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 : XXXXXXXX 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.