davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CO)

I offered to settle the amount owing to Navient in full upon them furnishing the original instrument of indebtedness in its original form. I communicated with them 3 times over the course of several months. I had asked them to provide this verification of the debt legally existing by XX/XX/2020. Not only did Navient make no attempt to provide me with the original instrument that created the liability, but Navient didnt even reply to my communications with them. They did, however, harass my extended family members with phone calls. They called the same family members multiple times, informed them that I have a debt, and asked them to pass on messages to me. They did this even though they already had all of my information about how to contact me and communicate with me. Due to their inability to provide the original instrument of indebtedness, I informed them that I considered the matter between us to be legally and financially settled. When they finally did reply to ME and communicate with ME, on XX/XX/XXXX, they included something that was NOT the original instrument of indebtedness and continued to try to collect the debt. The letter from Navient was simply signed XXXX, XXXX XXXX. There is no last name because nobody wants to be held liable for pursuing to collect an unverifiable debt. 

I am now being harassed by XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX, with whom I have no contractual relationship. They are third party interlopers, have no knowledge of the matter between myself and Navient, and have no business what-so-ever harassing me. I have disputed the debt with them and informed them that the debt was legally and financially settled. 

It seems to me that there is no original instrument of indebtedness in existence which, again, settles the matter legally and financially.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (AE)

My complaint with Comenity Bank. I contacted them and after they did their own investigation it was determined that I wasnt responsible for the debt. I would just like for the three credit reporting agencies to completely remove and existence of this from my credit report.
Consumer complaint received 2024-01-04
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. (MT)

I am attempting to dispute a collection from XXXX XXXX XXXX with Experian, an identity theft issue over 5 years old that had already been previously removed. 

While submitting new paperwork, their file upload is intentionally onerous and will not accept any files no matter how they are formatted, and their guidelines are inaccurate. 

When I submitted the information in text format because their website wont accept black and White .PDFS or .TIFFS no matter how small or scrubbed they replied by complaining of a omission of a middle initial and would not make a note of the information. 

Accept the document submitted here and
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (IL)

I was looking at my credit report and noticed my credit score drop a lot and seen that I had XXXX collections on my report that I didn't know about or authorized. XXXX was for XXXX XXXX and one was for a XXXX  account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.
Consumer complaint received 2024-01-04
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. (PR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CLARO 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-01
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. (GA)

In accordance with FCRA ( fair credit reporting act ) XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

THIS IS A FOLLOW UP LETTER, Under federal law, you have 30 days to complete your investigation, it's been more than 30 days. 

On XXXX XXXX  I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Each bureau is also reporting multiple inaccuracies on my reports. Experian is reporting last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. They are both reporting two different last payment dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. 

Furthermore, isn't XXXX XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

I am demanding that this account is deleted from my reports.
Consumer complaint received 2023-02-01
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. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX Account XXXX : XXXX The notation of the late payments is inaccurate. 

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 consumer reporting agency can not furnish an account with my written concern.

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.

The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify this information. Please update these late payment for XX/XX/2022 and XX/XX/2022 to PAANL ( Paid as agreed, never late ) at once.
Consumer complaint received 2024-03-16
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. (TX)

I hope this letter finds you well. I am writing to express my dissatisfaction with the initial attempt made to correct the late open accounts associated with my account. 

Unfortunately, the initial attempt to correct these late open accounts has been ineffective. Despite providing all necessary documentation and evidence to support my claim, the resolution process has been slow and unproductive. This lack of urgency and efficiency in addressing the issue has only added to the financial strain caused by the late open accounts. 

As a valued customer, I expected a more proactive and expedient response from your company in addressing this matter. The failure to promptly rectify the late open accounts has not only impacted my creditworthiness but has also diminished my trust in your company 's ability to fulfill its obligations to its customers. 

I urge you to take immediate action to rectify this situation. I request that you thoroughly review my account and expedite the process of correcting the late open accounts without further delay. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the financial difficulties and stress caused by this oversight. I trust that you will handle this matter with the seriousness it deserves and provide me with a satisfactory resolution as soon as possible. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$300.00}.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank closed my credit card account due to multiple reports of fraud, as in someone else using my card information to make purchases. I filed a police report to see who was making these purchases, and they couldnt find anything. Nevertheless, I was okay with them closing my account because Ill apply for a new one. However, before I do that, I want to make sure everything is accounted for, as in getting all the money back from fraudulent purchases I didnt make. They just credited me {$5.00} for three transactions from XXXX  as they said in the recent complaint I filed before this ( however I only see 2 of them credited back to my account ). Where is the third transaction I am to be credited for, as I dont see it on the app. The main concern is the two other transactions I am having issues with. They are from XXXX XXXX/bill for {$100.00} and {$42.00} on XX/XX/2021. I got temporary credits but then they charge me money again for some reason. I have provided them proof - multiple times- but they say to me that I need additional documentation. How XXXX XXXXXXXX do you propose for me to back up with information with accounts I dont have ( in this case, XXXX XXXX. Spoken to XXXX about this, and they also see that no purchases have been made on my account. Also spoke to XXXX, and they tell me that someone is using my first name and email for an account, but thats it. They are unaware of any information pertaining to these two transactions, and the person who uses my name and email didnt make any transactions pertaining to it. I have done three way calls with merchant, myself, and Chase, and the representative from chase each time I call acknowledges that I didnt make the purchases. Each time, however, I am not sure why it is getting denied and not in my favor. I have done everything in my power to prove that I didnt make any of these transactions - everything. Meanwhile, chase gives other information and doesnt back it up with proof, just saying whatever they want. Even if thats the case, they should be able to back up their claims with proof of some sort such as screenshots, audio messages, and such. I am frustrated with Chase bank and their failure to take accountability. Both XXXX  and XXXX unfortunately cant do anything to help me because they do not see any information on their end pertaining either to my XXXXXXXX XXXX  or the XXXX account someone else is using with my name and email respectively. How is this fair that when I opened the account with them, they are the only bank or credit card company who I am having this issue with? Everyone else has pretty much resolved any issues pertaining to fraud I have had, if any.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

My complaint is with Chime Bank. Today I received a notification from Chime that my account has been frozen due to " suspicious activity ''. The suspicious activity was listed as my direct deposit that I have had setup for the past few months. I am paid by my employer every two weeks ( XXXX XXXX ) by direct deposit and have filled out all the forms to initiate direct deposit. 

I called Chime and spoke with them about the issue and let them know the money in my account only comes from direct deposit. They insisted that I prove my identity so I emailed a copy of my drivers license and a home utility bill. 

After several emails back and forth they are still reviewing the transactions on my account as suspicious. Also, about a month ago Chime had a security breach and {$1000.00} was withdrawn from my account through an ATM. I had not lost my card and I don't write down my pin numbers. When this happened, I had received a text message about the withdrawal and I immediately disabled my ATM card through the Chime phone app. I called Chime about 15 minutes after the withdrawal to let them know it was fraudulent. They said I had to wait until the transaction completed before I could file a dispute. I waited about 3 days, the transaction completed, and I filed a complaint. The issue was resolved about a week later and they returned my funds. They said that they would issue a new card and in the meantime I could access my funds by transferring my funds to another institution. I also bank with XXXX XXXX  so I initiated a transfer of about {$2000.00} from Chime to XXXX XXXX. After several emails from Chime, they are also considering this " suspicious activity ''. 

Chime has disabled my account and I am unable to log in through their phone app now. I am unable to log into my account to provide the balance due to the app being disabled. I estimate I had {$4000.00} in my account which is needed to pay my mortgage and support my XXXX children. 

I have already notified Chime that I will be closing my account. Transactions such as Direct Deposit have auditing and tracking. They should be able to see the deposit are legitimate and certainly come from my employer. They had also recommended that I transfer money to an alternate institution which now they label as " suspicious activity ''.
Consumer complaint received 2023-02-01
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. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 Section 602 A. States I have rights 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 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

When trying to set up my XXXX bank account for payments, Citi charged me a {$29.00} fee claiming that Citi IT system failed to connect with XXXX  IT system and that my payment was therefore flagged as return by Citi IT system. Therefore I was responsible for paying this fee because the option to reverse this fee is not available in Citi IT system.
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

on XX/XX/2018 i was charged {$1600.00} for ambulance services, i have never been in an ambulance. i tried to clear it with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX to no avail, they refuse to take it off my credit report.
Consumer complaint received 2023-02-01
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. (WI)

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 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared and that is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : 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. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-02-23
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: AMERICAN EXPRESS COMPANY (GA)

Upon checking credit I discovered that there are inquiries on my report that i did not authorize nor do I have any business with these compaines. 

XXXX XXXX XXXX XXXX