davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: Navient Solutions, LLC. (MD)

Navient has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XX/XX/2022 yet all three agencies are reporting damaging information on my consumer report.
Consumer complaint received 2022-09-04
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. (NJ)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-04
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. (NJ)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-07-30
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. (NC)

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Experian did not provide evidence. CFPB step up and delet XXXX XXXX XXXX
Consumer complaint received 2023-01-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MA)

Synchrony closed my tj maxx card along with a few others for no reason no missed late payment etc. also wanted to verify when my purchases were and the amounts. Have not responded to any of my complaints on here either. They canceled all my cards at once for no legitimate reason causing my score to drop tremendously and not be able to obtain credit or satisfactory rates
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited my state refund in person into my BoFA checking account on XX/XX/2024 in the amount of {$1400.00}. I was notified later that day by email that the check was being held for 7 days. On XX/XX/2024 I deposited my federal refund in person in the amount of {$5000.00}. I specifically asked what the hold would be on that check and was told and given a receipt that the funds would be available on XX/XX/2024. I was also told that {$220.00} would be available immediately. I was notified again later that day by email that those funds would be held 7 days, including the {$220.00}. Had I been properly notified of these holds according to regulations I wouldn't have deposited the funds with this institution. Now I have no access to my own money.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (MO)

I am writing to formally express my dissatisfaction with the outcome of my second attempt to remove charge-off accounts from my credit report. Despite providing comprehensive documentation and following the appropriate dispute procedures, the charge-off accounts remain on my credit report, negatively impacting my creditworthiness. 

I am concerned that despite my diligent efforts to address and rectify this issue, the charge-off accounts persist on my credit report. This situation has significant implications for my financial well-being, making it imperative to resolve this matter promptly. 

I kindly request the following actions : A thorough and immediate reevaluation of the documentation provided in support of the dispute. 
Removal of the inaccuracies associated with the charge-off accounts from my credit file. 
Clear communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc. (TX)

Avant , LLC called me more than 7 times in a 7 day period. They called me at XXXX XXXX  and XXXX XXXX  on Saturday, XXXX XXXX and XXXX XXXX  on Monday, XXXXXXXX XXXX and XXXX XXXX  on Tuesday, and at XXXX XXXX  and XXXX XXXX  today ( Wednesday ).
Consumer complaint received 2022-04-18
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. (TX)

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (GA)

There was no response to the 3 issues that I am concerned about that needs Investigation on 1. Regarding the {$250.00} Pay for Performance under the 2MP Program I did not receive that credit. The dates below shows the years I did not receive. 

The Issues I have concern about were not addressed ( If they were please advise where ) program was not received for the year XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( I asked for a copy & that's not been provided ) 3. The $ XXXX ( {$5000.00} ). one time incentive payable the 7th year was not added to my account, the Frank Certification (  form 720 ) Wells Fargo did not follow the guidelines of payment, I never received payment. 

4. ( For each payment, a portion was added toward the Principal & a percentage to the Interest. 
percentage applied to Principal & percentage toward the Interest. 

5. I would like to get a document that shows what my payoff would be for this account.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I submitted a compliant by certified mail and the credit reporting agency have not responded and verified the accuracy of my report in violation of the fair credit reporting act. EXP XXXX
Consumer complaint received 2019-11-30
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: AMERICAN EXPRESS COMPANY (NY)

i ordered something via XXXX a week ago and for four days, XXXX  like address dnt exist, so i called amex to disoute and cancel and they were no help, going only XXXX can help.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

I am writing to dispute inaccurate information on my credit report that is adversely affecting my creditworthiness. According to my recent credit report, there is a late payment entry on my account, which is inaccurate and misrepresents my credit history. 
I have carefully reviewed my credit report and have identified the following inaccurate information : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am a responsible and diligent consumer, and I have consistently made timely payments on all my accounts. The reported late payment is not only erroneous but also severely impacts my credit score. As a result, it hinders my ability to qualify for favorable loan terms and opportunities, which is particularly concerning as I am currently seeking to open a new loan account.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX 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 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial (MD)

I'm filing this complaint against Preferred Lease for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof. 

Thank you, XXXX XXXX
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

I'm filing this complaint against EOS CCA for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof. 

Thank you, XXXX XXXX
Consumer complaint received 2020-01-02
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)

XXXX XXXX XXXX was paid and closed in XX/XX/XXXX. This was included in the Chapter XXXX wage earner payment Plan. The loan was paid and closed. This is still being reported as Negative in XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX  Account is shown as charged off with a past due amount of {$3900.00}. and a late payment. this account was included in Chapter XXXX bankruptcy  XX/XX/XXXX and converted to Chapter XXXX in XX/XX/XXXX and was discharged in XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX XXXX XXXX is incorrectly statused as past due in excess of 120 days. This account was never late and could not have been late XXXX and XX/XX/XXXX as this was included in chapter XXXX Bankruptcy  XX/XX/XXXX. Converted to Chapter XXXX, XX/XX/XXXX and later Discharged XX/XX/XXXX. PLEASE DELETE OR CORRECT XXXX XXXX XXXX XXXX   opened XX/XX/XXXX. Should not have been reported negative XXXX and XX/XX/XXXX, and XX/XX/XXXX as this was included in Chapter XXXX Bankruptcy XX/XX/XXXX. Converted to Chapter XXXX, XX/XX/XXXX and later Discharged XX/XX/XXXX. PLEASE DELETE OR CORRECT There are 6 enquiries on my report that were not done by me. These were fraudulently done without my permission. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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: M&T BANK CORPORATION (IN)

M & T Bank has failed to resolve the investigation, I have requested debt validation and they have not provided yet they responded to the compliant I placed in this portal as unable to resolve so since they are usable to resolve or investigate, I demand that they remove their information from my credit file as this doesn't to belong to me!!
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (NC)

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 2023-06-08
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)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

ON XX/XX/2019, Citibank closed all 3 of my credit card accounts without warning. I reached out and was told the accounts were closed do to " too many revolving accounts '' and they reserve the right to close the account at any time. What exactly constitutes " too many accounts? '' Is Citibank acting in a monopolistic manner in which they need to be your only creditor so that they make the most money? Can one not have credit lines with other financial institutions? My credit is flawless and that is the reason I and able to pick and chose which credit lines to use. I believe Citi observed that my balances were always paid in full, and that they were not earning money by charging me interest. 

Payment was always mad in full and on time. 
Oldest account open for 8 years As a result of Citi 's action, my credit score will be negatively effected by lowering amount of available credit thus increasing credit utilization percent. It will also damage the age of accounts since the oldest account with Citi was 8 years. 

Credit card companies should not be able to close your account for doing business with other financial institutions by damaging your credit score,
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted Transunion XXXX to put a fraud alert and security freeze on my account due to identity theft I created a pin number that I was told would have to be used to remove them. Not even a month later Transunion removed the security freeze and fraud alerts without the pin.When I called and asked why it was removed l was lied to and told they were never there. When I said I had the correspondence stating they were the story changed. I was asked to create another pin number and told the alert and freeze would be placed. Possibly XXXX weeks later the same thing happened. They removed the freeze and alert without the pin and someone was able to place loan and credit applications out on my name again. I called again same lies. I requested to be called for verification if the alert and freeze was attempted to be removed for verification. Transunion allowed it to happen again. I have XXXXuseless pin numbers because Transunion obviously doesn't really require them to be used to unlock or remove anything. If some places and fraud and security freeze they could at least make a minimum effort to verify removal they ask for email and phone numbers they should try using them. If these transactions are taking place they should only be allowed during normal business times not on weekends wher the fraudsters can just do what they want eventhough dealing with Transunion it seems they can do that anyway.
Consumer complaint received 2022-10-17
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. (CA)

It has been drawn out into the open that CREDIT BUREAU is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX IN XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$260.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$55.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Consumer complaint received 2024-04-09
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: JPMORGAN CHASE & CO. (NY)

I have recently pulled my consumer report and I have found numerous inaccurate and unauthorized reporting from J.P. MORGAN CHASE BANK to credit bureaus which is a complete violation of the Fair Credit Reporting Act and the Privacy Act of 1974! The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. J.P. MORGAN CHASE BANK is continuing to report negative items on my consumer report. J.P. MORGAN is committing securities fraud and theft. J.P. MORGAN has threatened, harassed, and even attempted to extort me for this alleged I debt they claim I owe them. J.P. MORGAN CHASE BANK is reporting as a charge off on my consumer and they are still claiming I owe a debt. How is this accurate if a charge off is considered income? When it comes time for J.P. MORGAN CHASE BANK to do their quarterly taxes, they're going to report the charge off as income and receive a tax deduction. By law you can't attempt to collect on a debt that has already been paid! That is THEFT! Not only that, J.P. MORGAN CHASE BANK, has a continues to sell this alleged debt along with MY NONPUBLIC information to collection agencies WITHOUT MY WRITTEN, OR VERBAL CONSENT. I pulled J.P. MORGAN CHASE BANK, SEC filings, more specifically the XXXX and XXXX, with in SEC filed Prospectus, and Trust Indenture Forms. In the forms forms state J.P. MORGAN CHASE BANK, is securitizing card loan agreements as asset backed securities and capitalizing off of it by trading and putting these loans in a pool and selling them on the secondary market. I also stated in my letter for J.P. MORGAN to the immediately notify all credit bureaus that the account is PAID AS AGREED. In the letter, I also stated that I was aware of the fraud and theft that J.P. MORGAN CHASE bank is committing and that I am putting them on notice because I will be filing complaints with the SEC, FINRA, IRS, and further legal action. J.P. MORGAN CHASE BANK has refused to remove and is continuing to report negatively on my consumer report! I demand my account be updated PAID AS AGREED immediately Or at receipt of notice to we Opt out of all reporting on any account by the holder per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.