davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TN)

I am submitting this complaint because NELNET has acquired my student loans without proper consent and they are also reporting inaccurate unfair information on my consumer report. I have never done any business with this organization and they haven't provided me with the proper documentation verifying I went into a contract with them, yet they are reporting late payments on my consumer report. This is unfair and a violation of 15 USC 1681 of the FCRA.

I am aware that this organization has assumed this role and I am also aware that 15 USC 1681 states that there 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. 
This company has acted unfairly and also has violated my right to privacy by acquiring my personal information and also sharing it with 3rd party organizations without my written consent. 
The late payments that this company have furnished are inaccurate because I was a XXXX XXXX XXXX at the XXXX  XXXX XXXX at that period of time and students aren't required to make payments while they are still attending school I simply want these late payments deleted because they are unfair and haven't been verified. 
I am hereby requesting my investigative consumer report to show valid proof that this account is being reported accurately. 
Keep in mind under the FCRA 15 USC 1681d- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

It has come to my attention that you CHASE Bank ( Person ) are reporting my transactions with your company to the consumer report. You CHASE Bank ( Person ) have reported a transaction on account ending in XXXX on this day XXXX, XXXX XX/XX/XXXX between I XXXX XXXX the ( Consumer ) and your self CHASE Bank ( Person ) and according to the Fair Credit Reporting Act 15 U.S. Code 1681a. 

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The term in the consumer report does not include reports containing information solely as to transactions. The transaction history between myself XXXX XXXX the ( Consumer ) and you CHASE Bank ( Person ) is excluded from the consumer report.
Consumer complaint received 2023-05-21
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (CO)

The presence of student loans on my credit report violates the Family Educational Act of 1974 and the Privacy Act of 1974. As per the aforementioned acts, educational institutions are obligated to safeguard student information and provide an opportunity to opt out before reporting such information to credit agencies. The school assured me they would not disclose my personal information, including financial details, to third-party credit agencies. This assurance was in accordance with the Family Educational Act of 1974, which establishes the privacy rights of students and protects their educational records. Furthermore, the Privacy Act of 1974 enforces limitations on the disclosure of personal information by federal agencies. Under this act, educational institutions are required to provide students with the opportunity to opt out of releasing their information to credit reporting agencies, allowing them to maintain control over their personal data. I am confident that my school was bound by these provisions. However, I recently discovered that student loans associated with my enrollment have been reported to credit agencies. This disclosure of my personal information without my consent is a direct violation of the Family Educational Act of 1974 and the Privacy Act of 1974. Additionally, I would like to bring to your attention that my school failed to provide me with a way to exercise my right to opt out at least 30 days before the reporting took place. This omission further strengthens my claim that my rights under the aforementioned acts have been infringed upon.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FCRA laws if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Fetzer Financial Group Inc. (NJ)

Originally was a door to door salesman offering a home care system for {$1700.00}. Once I received my first invoice the price was almost at {$3000.00}. They said I had a 30 day time period to return which I called and spoke to a manager about refunding the product and canceling the agreement since it was within 7 days of purchase but no one would pick up the product or answer my phone calls for returning. I have sent countless of letters to this company about this situation and they choose to ignore it. 

I was unrightfully charged way more than I agreed to and they lied an ran my credit without permission. I would have never agreed if they were going to run my credit when I specifically asked several times and they prompted that my credit was not apart of the process but it is showing up on my credit profile.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I opened Hilton Honors American Express Surpass card with the opening bonus of XXXX Hilton Honors points after spending {$3000.00} with {$150.00} annual fee. Well, they charged me an annual fee and I also spend {$3000.00}. I never received those points. Initial chat with the representative stated that the bonus will be posted in 8-10 weeks. When I called again today,XX/XX/XXXX, they said that they will not post those bonus points to me, since I already had that card back in XXXX! This was never disclosed to me when I applied for the card. They charged me {$150.00} annual fee and I spent {$3000.00} getting no promised points in return.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT NAME ; XXXX XXXX ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 
15 USC1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an 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 USC 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. 

Furthermore, the interest rate on the loan was never signed for nor did I the Original Consumer ever sign for a or do I consent to do business with the. I request that this account for this loan is removed immediately and will be seeking remedy for under 15 USC 1692c for injuries!
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL COMMISION 'S IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

XXXX I walked into a US Bank XXXX as I have a business checking account. I notice XXXX photocopied adverts on banker 's table. They are promoting XXXX XXXX XXXX XXXX accounts for personal and business purposes. The personal states XXXX XXXX and the business states XXXX XXXX  in bold lettering. 
I immediately read the fine print disclosures looking specifically to see if this is an " introductory '' rate. I see nothing. I ask the banker who reads the find print and says no. 

XXXX After doing some due diligence reading on their website, I open an account and transfer $ XXXX into it. End of month, I am paid an interest rate of XXXX XXXX 

XX/XX/XXXX thru XXXX I would make a few additional transfers into the account and by the end of XXXX, I have ~ $ XXXX and am paid an interest rate of XXXX XXXX, which includes a bonus due to the additional funds I have transferred. 

XXXX I make another wire transfer to bring the account to ~ $ XXXX. As I'm in the US Bank app to confirm the fund receipt, I click on the interest rate and I'm stunned to find it at XXXX XXXX. 

XXXX I go into branch and speak to a US Bank XXXX. I state what happened and ask to speak to XXXX who is not there. The banker proactively offers to help. She calls a support line and mentions the rate drop. She then conveys to me that my rate drop is due to it being " XXXX months '' since I opened my account. I explain that this was not stated in any of the disclosures I read. She stated that " rates are subjected to change at any time ''. 

XXXX I speak to XXXX. She expresses that there are others that have been impacted as well and there is nothing she can do as " rates are subject to change at any time ''. 

XX/XX/XXXX ( today ) - XXXX I speak to XXXX again. I tell her that I feel completely deceived. She again states that there is nothing she can do. She does offer to call her district XXXX. I ask her to please reach out to me today with some sort of response. No response. 

The rate plan which I signed up for at XXXX XXXX XXXX, is currently still being advertised by US Bank. It's on their website and the paper adverts are still there. I feel deceived. This feels entirely like a bait and switch scheme.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. My address before that one was XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Experian was once reporting this correctly, but now they have removed my current address and replaced it with another address I have not lived at. These two addresses I just listed are the only addresses that should be reporting. Due to Experian doing this it has caused me to not be able to access my credit file in order to monitor my credit report. This is illegal and I have contacted Experian to fix this with no results just none stop phone transfers. I have provided my drivers license and light bill for my current home. 
Attached is two different documents with my current address listed. My drivers license has not been updated and is displaying my last address which is listed. XXXX  has a long waiting list for out of state drivers license. I lived at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX for the past 2 years and have recently moved to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX. 6 months ago. This address was on my report up until recent is when it was removed. Add my current address on my file as it is stopping me from viewing my report. 

THIS IS NOT A DUPLICATE DO NOT CLOSE THIS REQUEST. EXPERIAN HAS RECENTLY REMOVED MY PERSONAL ADDRESS AND HAS LOCKED ME OUT OF VIEWING MY REPORT.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank is not allowing me to reverse the unauthorized charges or file a dispute with their bank. I had the same problem before a few months ago and they did allow me to dispute the unauthorized charges. They, the credit card processing company, have taken close to {$900.00} without my authorization and getting away with it.
Consumer complaint received 2023-05-21
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Accounts that are in negative standing that are currently listed on my credit report, 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 2023-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION (CA)

I applied for a home equity line of credit, to refinance an existing home equity line of credit from a different lender. During the refinance, their underwriters pulled a " XXXXroperty Profile '' report allegedly showing XXXX liens that they stated must be paid at closing. I balked at their requirement considering XXXX of the XXXX liens were not in fact liens but instead, simply notices that a previous tenant at my address had defaulted on personal property taxes. I attempted to reason with this bank, explaining clearly that i did not have personal property tax liens but, it was to no avail. I was finally able to contact the XXXX party that provided the bank the property profile and asked them to clarify these " personal property tax liens ''. They immediately saw that the liens were in someone else 's name, not mine and, that they were not liens and provided an updated report to the bank. That left XXXX final " lien ''.

I explained to the bank that the other " lien '' that they incorrectly asserted was a judgment against me was instead, a supplemental tax bill, paid semi annually with my regular property taxes. They insisted that this supplemental tax bill be paid in full separately from my regular property taxes because they stated incorrectly that it was a judgment. They threatened to cancel my scheduled close if i did not pay it. I pleaded with them that its property taxes and that it did not impact their lien priority and that XXXX other previous lenders understood how supplemental taxes work. They cancelled my closing anyway. 

Out of pressure and under duress, I agreed to pay the supplemental tax bill, which would cause me harm when filing my taxes as i lose the write off of property taxes. They insisted i provide them a payoff. I obtained the payoff and submitted it to them. instead of issuing a check to the payee listed on the demand, and in the amount listed on the demand, they issued a check to another entity for another amount. The check has not been cashed because of this and to add to my injury, i've been paying interest on this amount that has yet to be corrected. I asked them to put a stop payment on the check and they refused. 

I'm at a loss financially for the interest charged on this outstanding cashier 's check and, I'm being required to pay a supplemental property tax that is a normal tax paid twice a year through an escrowed account by my XXXX XXXX XXXX servicer. I want the requirement to pay the lien removed as the lien priority of this bank doesn't change whether they pay it or not and, I want to be reimbursed for the interest for the time that has gone by since they issued an incorrect check and amount.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX SUBMITTED APPLICATION FOR AUTO LOAN OR LEASE WITH THESE 3 COMPANYS WITHOUT MY WRITTEN CONSENT CAUSING 3 HARD INQUIRYS TO BE ADDED TO MY PERSONAL TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$810.00} XX/XX/2021.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/2022 The sale representative XXXX XXXX sold us a water treatment system for {$6400.00} XXXX XXXX and XXXX XXXX gave him a down payment in the amount of {$2000.00}. 
Soon after, we discovered the product was defective, we made several phone calls followed by email to XXXX XXXX and XXXX company. They both failed to resolve the issue. We contacted another company to replace the XXXX XXXX XXXX that was making us sick with unclean water. Company was advised. The burden of this additional expense we could no longer continue the monthly payment. Although our bank continued to honor the automatic payments. We filed a complaint with the bank which requested the back payments. Although the company breached the contract the finance company has threatened to report us to the credit bureau resulting in a low credit rating damage. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/22 our bank ( XXXX ) wired {$27000.00} twice in error ( should have been done once ) to JP Morgan Chase to cover our payroll ( we have assisted payroll through XXXX ). The error was brought up immediately to XXXX who told us we had to go through XXXX to retrieve our money back. I have contacted XXXX multiple times, mostly by phone. I have emailed them documents as proof. Since XXXX has a relationship with JP Morgan Chase, they have been in contact with them. The first excuse as to why we don't have our money back was because JP Morgan Chase tried wiring it to us but it got bounced back to them. The second excuse was they had put a check in the mail ( in XXXX ). The third excuse was they had to hold it for a 12 week concession ( dated XX/XX/22 ) which would mean XX/XX/22 was the end of 12 weeks. The fourth excuse was a bank change form had to be filled out ( was already done and sent to them in XXXX ). It's been 4 months and there is no reason why we haven't received our money back. We are a small non-profit business ( private school ) and we really need these funds returned to us. JP Morgan Chase admits they have our money, but for some reason won't return it?!
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources (NC)

XX/XX/XXXX *violation patient privacy by discussing medical information in front of other patients *violating my rights under the no surprise act XXXX  *shared private health information to debt collector without hippa release form *starting since XX/XX/XXXX, I have been harassed by the collection agency with constant phone calls *debt collector information- Agency FIRSTPOINT COLL RESOURCES INC XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX