davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

From XX/XX/XXXX thru XX/XX/XXXX my wages where garnished by conserve in XXXX ny for a ny higher education debt. Upon completion of debt i overpaid XXXX dollars as well as XXXX mailed 2 additional checks for XXXX.and XXXX dollars. Totaling {$160.00} owed back to me. Ive called a few times to inquire about how i will recieve my overpaid funds back and also left.messages for information. They refuse to give an answer back. But these funds have reached conserve and they have my money. I want my money back IMMEDIATLY. This company dosent respond.to any communication. But they made money by charging fees. I am also demanding intrest at 9 % since XX/XX/XXXX as i had to pay a decadea worth.of intrest.
Consumer complaint received 2022-12-28
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: JPMORGAN CHASE & CO. (PA)

To Whom It May Concern : XXXX XXXX and JPMCB- Auto Finance has violated my right to privacy, by reporting inaccurate information on my consumer report.I have reached out to these companies via : U.S . Postal Services pertaining to these alleged accounts.

According to 15 USC 1681 Section 602 A. States I have the right to privacy.

According to 15 USC 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1692 j ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participainting in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2020-03-23
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. (TX)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC. (NY)

Optum Financial has my XXXX from a prior employer. I was not aware of a {$2.00} monthly maintenance fee that was being charged. I just got my quarterly statement and saw it started after leaving my prior employer. I called to have the funds transferred to my new XXXX at Optum Bank ( a sibling company ), and I'm required to PHYSICALLY mail in a form that could take XXXX weeks, all the while I'll continue to be charged a fee I wasn't aware of. Optum Financial said it was disclosed in the welcome package when I opened the account years ago. I was not " reminded '' or made timely aware of the fee being taken, and they refused to refund or waive future charges.
Consumer complaint received 2022-12-28
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. (WV)

On XX/XX/2022 a hard credit inquiry was put on my Trans Union credit report. On XXXX XXXX ( XXXX ), this is listed as : XXXX XXXX ( Finance ) In XXXX XXXX 

On Trans Unions website, it is listed as : XXXX XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted XXXX XXXX by both web chat and phone. They could not find any new applications that would cause this inquiry, for my SSN. XXXX recommendation was to contact Trans Union, to find what the exact type of account, because XXXX can not investigate the situation without the full information. 

I contacted Trans Union, and they told me the hard inquiry can not be removed from my account without both me and XXXX XXXX  postal mailing Trans Union the proper documentation to have this removed. I told the Trans Union rep that XXXX could not find anything and could not investigate without further information. The Trans Union rep said, We can't disclose these kind of information 's since this inquiry has raised from their side we need a letter of authorization from their side in order for us to remove from the report. 

This may have been a potentially fraudulent account application at worst and an annoying ding to my credit score at the least. I had no part in this making its way onto my credit report and neither Trans Union XXXX XXXX XXXX  seem to be willing to help me with the situation. Slow walking and stone walling this process is not acceptable. 

I contacted XXXX and they told me exactly what I needed to tell XXXX to dispute this as fraudulent. I called XXXX XXXX  back and read them exactly what I was told to say. They looked it up with my SSN and transferred me to the XXXX XXXX XXXX. They couldnt give me any further information, and suggested I contact Trans Union. 

At this point, Im really not sure how to proceed, since neither is willing to give me any information or help in the slightest. Anyone have an idea on how to go about resolving this situation? 

Note : The inquiry is showing up as XX/XX/2022 on Credit Karma and Trans Union. It is showing up as found on XX/XX/2022 on XXXX. I can not currently log back into Trans Union to get the documentation directly from their site.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian : -Has caused me to be denied a rental and I am fleeing a XXXX   XXXX/XXXX  and discovered that Experian was emailing my information ( based off my social security number ) to an email address that is not related to me or ever has been. 
-Has addresses on my report in which I have never resided. 
-Has reported as still active and delinquent a credit account that was paid off. 
-Has no customer service representative or contact in order to dispute unanticipated credit reports.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (IL)

Im a natural person, a living human being, I have filed complaint after complaint to inaccurate accounts information with no proof of verification of information reporting company has on file ,30,60,90 days complete refusal. I have rights under 15 USC1681 Experian and creditors is governed by 15 USC 1681 and they have violated my rights numerous times. I demand the listed accounts/ attached below be deleted because according to 15 USC 1681 I have the right to privacy and I did not give credit reporting agency written instructions/permission to furnish these accounts- Section 623 ( a ) ( 3 ) missing notice of disputed account - Section 611 ( a ) ( 1 ) failure to investigate items in 30 days gives reason to delete- 15 USC 1681e ( b ) accuracy of report - 15 USC 1681n Civil liability for willful non compliance- 15 USC 1681s-2 ( b ) reporting of information after notice of errors- 15 USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provide in case of dispute accuracy by credit reporting agency, and per my request refusal to remove personal information, old address and names
Consumer complaint received 2020-03-23
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 did not authorize or give consent to XXXX/ XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (LA)

I have multiple credit cards that have been charged off on my credit file. All go the charged off account were open in XX/XX/XXXX between the XXXX and the XXXX. These are all showing on my Experian credit file and I have disputed them multiple times between XXXX XXXX XX/XX/XXXX. Experian keep saying that they are verified and the account are mine and accurate. I have written certified notices with return receipts that show they received my information. The information that was sent was a valid police report and FTC file. I provided a certified police report and FTC report. I have had my identity stolen and an arrest was made, all of which was included In the police report. Additionally I am receiving restitution payments from from the defendant through the XXXX court house. I am aware that Experian is not verifying this information and I am contacting their data furnishers and it has been reported to me by letter that has been not open dispute in these accounts.
Consumer complaint received 2023-12-08
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. (VA)

This is in reference to : XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance due : {$3300.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. 

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX, XXXX, and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2020-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

response to # XXXX. 
Dear CFPB.This is what I wrote to you in letter dated XXXXThe XXXX  you, they XXXX   me, they XXXX  Department of Banking , and the giving false information to the their sister company XXXX.A little background.In Connecticut city tax can be in effect only on XXXX XXXX and can be can be raised every 5 yearsWe got big increase in city tax 2 day after we bought home in XXXX XXXX.So next increased in tax can be effect on XXXX XXXX XXXX.So in the 3 quarts of XXXX   there was any increased in tax.So this is perfidious and insolent XXXX.They increased tax without any good reason.That true.Also without good reason they increased monthly payment to {$1600.00} from {$1600.00} /previously/.Yes there was an increased in home insurance in XX/XX/2019 but this $ XXXX monthly was included in $ XXXXSoThere could  not be any increased in XXXX XXXXThey count this {$24.00} second time by increasing monthly payment from {$1600.00} to $ XXXXSo again perfidious and insolent XXXX. 
So LOANCARE and XXXX are perfidious and insolent XXXX.
Consumer complaint received 2023-05-06
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. (KY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-03-23
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. (FL)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates, LLC continues to call and threaten to sue to recover debts that were discharged in Bankruptcy Ch XXXX # XXXX. 

I informed them on three separate occasions that they are in violation of Title 11, Sec 524 Bankruptcy Discharge Violation. 

They refuse to stop calling.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CT)

I received an offer to apply for an 18 month interest free loan from Sears for any purchase of {$540.00} or more within XX/XX/XXXX and XX/XX/XXXX. The step by step offer activation guidelines provided. The offer stated that it can be done by phone or on line. The activation code was provided.I called the store and activated the offer. After that I made two purchases within the allotted time frame. I made payments on time, every month for the duration of four months. Recently, as I was going through my statements, I noticed that I have been charged an interest every month. The amount of interest is different from month to month, and is around {$45.00} - {$54.00}. I called the bank and was told that the promotion code has never been activated. The manager stated that the code can not be activated by the phone, while it is clearly stated on the offer that it can be done over the phone or on line. I seek the resolution of the problem, but was told that the only option that I have is to keep on monthly payments.
Consumer complaint received 2023-05-06
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. (PA)

This account was never late for XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One has frequently refused to release amounts that I have paid as payments even though they admit and confirmed that the payment has been received. I also confirmed with my bank that the payments have been received and they flat out refused to allow mw to use the payments. The payment was made onXX/XX/XXXX and now its XXXX it's been 6 days. They decided to hold it for 7 days regardless of if it has been received or not.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (FL)

I received several emails from Chime about a new account that was opened, and to link my direct deposit to fund it, and to expect my physical card in the mail. They had my email, and my mailing address correct. 

I then received several more emails about money I had sent to others. 

When I called Chime to report a fraudulent account, they wanted my full name and the last four of my social. I was hesitant to give them this, but I did. They confirmed an account was opened, and they would immediately close it and that I would not be responsible for any charges. 

I then asked for an email stating all of this, and they agreed and sent it out immediately. 

Their customer service seemed very familiar with this type of call and problem, so it makes you wonder why Chime doesn't do a better job of verifying people?
Consumer complaint received 2024-02-21
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-02
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX