davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-24
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. (WI)

I believe that Experian is in violation of the FCRA and my consumer rights. Per the FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not legally validate disputed information with the original creditor, they must remove said information from consumer profile. The listed bankruptcy had not been legally verified/validated. I have proven more than once with letters and other documentation from the Bankruptcy Courthouse and Pacer Email correspondence that neither entity report to credit bureaus or to third parties. Furthermore, each entity stated they do not confirm bankruptcies due to privacy laws. In fact, it is third party providers who collect information and in turn sell or give it to the CRA. However, per Rule 9037 of the Federal Rules of Bankruptcy Procedure - bankruptcies must be verified/validated by matching consumer 's FULL Social Security Number. Yet per section 205 ( c ) ( 3 ) there is no way to match social security numbers due to privacy compliance that states no one 's full social is to be listed on a public records cite. Despite these laws, XXXX maintains that the bankruptcy listed has been verified. First they claimed the furnisher was XXXX XXXX. When I proved XXXX XXXX has no bankruptcy listed within my consumer profile they switched to claims that they verified with original creditor, which is false & fraud. They have never legally verified with the courts or pacer. 
I've been battling with XXXX regarding this since XXXX. Whenever they initiate a dispute or reinvestigation because I sent proof they're claims of verification are fraudulent, they close out the dispute or reinvestigation within an hour claiming verified. This is an additional violation of the FCRA Furnisher and Dispute Investigation Rule.
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (ME)

I originally applied for a Sam 's Club Synchrony bank credit card online through a link from www.samsclub.com to Synchrony bank on XX/XX/2021. I received an email with a link to an explanation of my credit request. When putting in my SSN and zip code, I got the pop up information return that my information was incorrect. I ended up calling Synchrony for Sam 's Club credit on the phone and they told me that they could not release any information of my credit denial over the phone, but could mail me the information to my home. I requested the information. When I received the letter the letter informed me " Your credit request was denied for the following reason ( s ) : Credit bureau reports that the applicant is deceased ''. The letter further informed me that if I questioned the credit bureau 's determination, then to call the credit bureau XXXX. When I called them, they could not explain the determination and that I should call Synchrony for further detail. When I called XXXX, their resolution was to reapply for a credit card for Sam 's Club. I have a XXXX XXXX score, I am not deceased and can not determine why I was denied. I decided to physically go to my local Sam 's Club and apply. I got a friendly customer service representative ( on XX/XX/2021 ), that admitted I was not deceased, but did want to see my photo drivers license. After she entered the detail, my credit card was still not approved so she called Synchrony Bank. They requested that I get on the phone and recite my name, address and last 4 of my SSN. They also asked for my phone number and if that was my only immediate contact for that instance. They then put me on hold and said to please be patient. I waited and the Synchrony Bank representative came back on and said she was going to recite me a url web access. I was to write the address down and go to the web site and video 5 minutes of my displaying verification of my identity. It sounded like holding up my pictured license to the camera and maybe a passport. I was flabbergasted to say the least and said " you want me to go to a website and video tape myself? ". I explained to her that I did not need the Credit Card that bad and would not be preforming for any audience and she could have a good day. I have never heard of anyone being requested to go to a website and video themselves. Is that legal? Thank you for your time. Respectfully, embarrassed.
Consumer complaint received 2021-10-24
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. (CO)

2 years ago I signed up with XXXX XXXX to start working on my credit. After signing up I noticed unusual transactions or debts listed on my XXXX report. 
1 ) A collection agency on behalf of XXXX in the amount of XXXX. I disputed and XXXX removed the collection. 3 mths after, the collection agency sold the debt to another collection agency named XXXX XXXX XXXX. The debt was added back to my credit report for XXXX I have tried disputing again and XXXX says the information is accurate. Their wrong, I have used XXXX for my service provider for internet, cable, and mobile and I'm still a loyal customer to this day. I should not have anything in collections because if I did then they would not provide me with services until the bills were paid. Shortly after my last dispute XXXX contacted me to warn me that someone my be trying to use my name for service but the address doesn't match my current address. The collection agency refuses to remove this from my credit. And it's now showing on XXXX and equifax. 

2 ) XXXX has also refused to remove a company name XXXX that popped up a few months ago under XXXX XXXX XXXX. I contacted this company and they were very Adamant that the charges were mine for some tires. I advised them that I didn't own a vehicle at that present moment and asked them to provide supporting documents. I have yet to hear from them. XXXX has stated the the account is accurate. It's not my account. This account also displays on equifax and XXXX. 
Last but not least 3 ) XXXX also sided with a collection agency named XXXX XXXX XXXX for XXXX. I was court ordered to have a XXXX installed into my car to obtain my license again. The company XXXX ended up costing me a huge tow yard fee for storage and tow because they locked the XXXX for non payment. I had just picked up my daughter from school and we stopped for a XXXX. She was XXXX at that time. While in the store XXXX shut done my car and refused to unlock it until I paid. Since the car was of course parked right in front of the store XXXX had it towed it cost me almost XXXX when I found it and XXXX is charging me for the equipment cost@XXXX. Not only did I return to XXXX to have this device removed but the sameday they charged my account XXXX. So they are trying to double dip.
Consumer complaint received 2024-01-10
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. (IL)

According to the information given to us from the Bankruptcy Court, they do not report the bankruptcies.to the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. *************************************************************************************************** XX/XX/2024 Dear XXXX & XXXX XXXX, I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed bankruptcy case. Upon the completion of a XXXX  XXXX Bankruptcy plan the standing trustee files a Final Report and Account with the Bankruptcy Courthouse. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the bankruptcy. As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular bankruptcy case. In addition to the courts electronic records, each creditor listed under the bankruptcy plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TN)

I paid XXXX between XXXX XXXX. They should have applied anything more than the min payment to the highest apr they applied to the lowest apr. cash advance is the highest. Purchases is the lowest. They tried to say they can apply to purchase first bc each one has different rate that is a lie. They didnt apply my payment right and refuse to fix it.
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Had received a direct deposit from a friend of mine they closed my account after some one stole my card and deposit some checks that bounced the whole time my direct deposit was in saving and checking account when account was closed they sent a check to prior address I was not living there so check was returned so when I came back from XXXX I called chase Bank and was told I could not have another check sent out and that I would need my friend who is now back in XXXX to come in and verify some thing I don't know why if check was sent out once and after 1yr plus there have been no criminal or friend fraud with that deposit and they have already attempted to send the check to me once already
Consumer complaint received 2021-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (NC)

OPTIMUM OUTCOMES sent me a letter on XX/XX/2021 regarding a medical debt that is not mine. They not only violated me because I never gave them consent to contact me. However, they are collecting on a debt that is lawfully not mine. I have no lawful contract to pay them or ever done any business with this private entity. So them contacting me on a debt is not mine is harassment. I am filing this complaint to make sure my demands are met in my letter as well as payment is sent to me in a form of a check for said violations of federal lawsuit will be filed.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ND)

This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I was XXXX on XX/XX/XXXX and I was XXXX to XXXX  years in the XXXX XXXX XXXX XXXX XXXX  XXXX. While I was XXXX, my house was robbed and among the stuff that was stolen was my wallet with my bank cards and my cell phone. Upon my XXXX, I checked my bank statements and I noticed several unauthorized charges to my account. I immediately notified my bank and started the dispute process on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have provided documentation of my XXXX and my XXXX  paperwork proving that I could not have made these charges and I did not authorize these charges. It has been over XXXX days since I filed the dispute. Every time I call to get an update, they tell me they will escalate my dispute and i will be contacted by someone on the escalation team but no one contacts me.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IN)

My name is XXXX XXXX. I enrolled in XXXX XXXX XXXX on XX/XX/2022. They advertised that " Chase is offering some business customers {$1000.00} when signing up for XXXX XXXX XXXX and processing {$2000.00} ( at least 5 transactions and settle {$2000.00} or more into the Chase payment solution account ) in payments. 

My merchant services account was approved. The account number is XXXX. I called Chase and XXXX of the XXXX XXXX XXXX team members XXXX XXXX confirmed my enrollment in the promotion " Chase is offering some business customers {$1000.00} when signing up for XXXX XXXX XXXX and processing {$2000.00} ( at least 5 transactions and settle {$2000.00} or more into the Chase payment solution account ) in payments. 

I met the requirement on XX/XX/2022 when I had had at least 5 transactions and settled {$2000.00} into my account. It was advertised that the cash bonus will be deposited into my account within 31 days after the requirement are met. However, I have been waiting for almost three months and still have not seen the cash bonus posted. I called Chase several times and each time they just ask me to wait for another month.
Consumer complaint received 2024-01-10
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. (GA)

This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. According to U.S.C 6802 under subsection ( b ) Opt OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, Such option was never discussed with consumer but, consumer 's private information has been shared with several third party companies.

Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter. This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant. 



Accounts include : XXXX 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 2023-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (LA)

XXXX XXXX submitted two separates charges to my health insurance for payment. 

XXXX XXXX XXXX  XXXX XXXX declined to pay one of the two separate charges with allegations that XXXX was submitting a duplicate charge/bill. 
XXXX was not submitting a duplicate charge/bill. The confusion stems from the fact that I visited two different providers on the same day, XX/XX/XXXX. 

On Tuesday, XX/XX/XXXX, I called XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX and I was explained that XXXX sent duplicate charges and that they have declined one. 
I clarified to the customer service representative that XXXX was billing them correctly because I had received two services by two different providers on the same date at XXXX. Each one for {$350.00} Date : XX/XX/XXXX _-Office Visit- Provider : XXXX XXXX, XXXX XX/XX/XXXX - Office Visit- Provider : XXXX XXXX Place : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer representative offered me her apologies over the phone and offered to fix the problem. Evidently, they have not because XXXX has never ceased to mail me bills. 

Both bills were originated at XXXX but for two separate services. 
I called XXXX XXXX XXXX  XXXX XXXX. 
I called XXXX. I have contacted XXXX financial department asking them to stop billing me for a charge that XXXX XXXX XXXX  XXXX XXXX owes them. I have written to them on my portal and I sent them a letter with the same request. 
I do not owe this debt. 

Please, stop XXXX from harrasing me with this debt collection. 

Many thanks,
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have been in repayment f or 11 years. This company has consistently mis-applied payments which requires me to call and argue with them for 1-2 hours every 1-3 months to get them to fix how the payments were applied. They may  have changed their name from  XXXX  to Navient, but they have not changed their harassing procedures.
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Inland Debt Management (CA)

On XX/XX/XXXX I entered an agreement with Inland Debt Management to settle XXXX credit card accounts for a fraction of the balance owed. They set up an account for me to make payments into for paying the settled accounts. These payments were lower than minimum payments to the credit card companies which helped my current financial situation. I was told not to communicate with these creditors and to stop making payments to them. I made payments beginning XX/XX/XXXX through XX/XX/XXXX into this established account totaling {$8100.00}. Months have passed, now its XX/XX/XXXX and no communications from Inland DebXXXX so I called to check status of my account. I was told all was good and the more past due accounts were, the better their negotiating power to settle and more $ would accumulate in my account. They also requested all statements and correspondents from creditors which I gathered and sent that day. Later that day a letter came from XXXX offering a settlement at a greatly reduced amount which I immediately sent with a note stating they wanted a response by XX/XX/XXXX. On XX/XX/XXXX I received email acknowledging receipt of settlement letter. I received another letter from XXXX on XX/XX/XXXX stating since the account was not settled it was being forwarded to a law firm. I emailed this to Inland Debt on XX/XX/XXXX. I received a response on XX/XX/XXXX stating a negotiator was working on account and they would contact me. On XX/XX/XXXX I was served a summons as XXXX was suing me, which was forwarded to Inland Debt XX/XX/XXXX. I received response XX/XX/XXXX that negotiator would work to resolve situation. By the end of XXXX not hearing anything I called and asked to speak to a manager and was connected to XXXX XXXX. We had a few conversations and exchanged several emails and the end result was that XXXX was not negotiating and wanted full balance. He suggested we wait a while to revisit. I asked if contact was made with the other creditors to prevent this from happening with them and he told me they would make contact. I lost faith that this company could resolve anything. Since speaking with XXXX early XXXX, XXXX of the creditors they were to handle, contacted me and we settled for XXXX of the balance owed. The XXXX was mid XXXX and the other was this month ( XX/XX/XXXX ). When I asked if they had been contacted by Inland Debt, both stated they had not. Its been 17 months since initial agreement and they have not resolved XXXX account for me. I want to be refunded the payments I have made totaling {$8100.00}.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the courthouse and was told that they did not report a bankruptcy to the credit bureaus but yet all three bureaus are reporting it. I have disputed this issue several times with no resolution.