davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
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. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has yet to respond to my complaint about an erroneous bankruptcy on my consumer report, and are still reporting it. I submitted a complaint with the CFPB on XX/XX/2023 and have yet to have any response from XXXX. They legally only have 30 days to respond and investigate my dispute. That time has passed. I will be taking legal recourse regarding this matter in XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I used my capital one credit card at a gas station in XXXX. The gas station is a full service station, I handed my credit card to the attendant. He told me it was declined. I then used my XXXX XXXX debit card to pay for {$23.00} USD. Later that day, my Capital One credit card was charged {$3100.00} ( XXXX pesos ) or {$150.00} ( USD ). The card was ran without my permission and signed by someone with a different name and signature. It was fraudulently used and signed. Capital one will not reimburse me or change the charge on my account despite many attempts and hours of phone calls.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

When I opened my XXXX  XXXX credit card back in 2016, Bank of America set up my account in such a way that I did not have administrative access to all of my authorized users. Whenever I would make a payment to the corporate account, the payment would appear as a credit on my personal card, and would not apply to my authorized user 's outstanding balance. This caused my authorized account to accrue late fees and interest. When I asked customer service how to resolve the problem, they told me that I had to make separate payments to the authorized user 's card and did not advise me on how to create an online profile that allowed me to access and pay each card 's bill. This frustrating experience led me to curtail usage of my BoA business card. 

In this year, my online access was locked unexpectedly in XXXX. I called the customer support number provided on the website but was never able to get through to an agent. Since my account had a {$0.00} balance, I decided not to pursue the problem any further. However, when my annual fee was charged, I was unable to log in to pay the bill or cancel the card. Although the annual fee was the only charge on the card, my account was marked as delinquent for nonpayment. I called and paid the annual fee and requested that the account be credited for the fees, due to the IT issues and the fact that the only outstanding balance was the annual fee itself. Now one week later, I received a call that my personal and business accounts are being closed because of a late annual fee payment. 

Based on my poor experience with Bank of America 's business products and IT,  my personal account is being affected. I am requesting that the business and personal accounts be marked as customer-closed due to Bank of America 's poor treatment of a customer who otherwise has a 800+ credit score and no derogatory marks on my account. I personally regret not closing the accounts myself since I moved all of my business spending to a friendlier bank and am suffering at the hands of a dormant account.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX  of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
Consumer complaint received 2022-04-15
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: Synerprise Consulting Services, Inc. (TX)

I sent a Certified Letter to SYNERPRISE CONSULTING See Attached Letter Cert # XXXX XXXX XXXX XXXX XXXX I requested Validation of Debt in accordance with the law and formally disputed their claim. They DID NOT RESPOND, DID NOT CEASE AND DESIST AND DID NOT REMOVE THE ACCOUNT. 
In accordance with the Fair Credit Reporting Act. 
The above Account has violated my Rights Everything has to be 100 % accurate on my Credit Report.

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

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agency is volating my rights and costing me dearly.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

We are consistently being charged with overdraft fees, even when there are deposits being made to the account before the overdraft fees can be assessed to our account. This has been happening for years, and when we ask for waivers of the fees because of this matter we get told that we are only allowed one waiver for the year, which is absolutely ridiculous to me, cause no other bank we bank with does that but Chase Bank. This has been a problem for us for years since we have had this account and I'm tired of trying t deal with it, with Chase directly.
Consumer complaint received 2024-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

I took out a small, private student loan of {$3300.00} on XX/XX/XXXX. I have been making payments since XX/XX/XXXX, when the interest accrued made my loan balance {$5000.00}. I have been making consistent payments of the minimum amount, yet my payments did not affect the principal of this loan until XX/XX/XXXX. My payment amount is now {$52.00} a month and I truly think I have paid way more than I should have on this loan in interest and fees but the lender can not do anything at all to help me, aside from telling me to shop around for a private loan refinancer in order to lower my current 10.93 % interest rate. Is there any way that you can negotiate this for me and help me get rid of this loan once and for all? 

Thanks so much!
Consumer complaint received 2022-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NV)

I am XXXX XXXX XXXX. I provided a copy of my orders to FirstMark. I have been on XXXX XXXX since XXXX. I still make payments to FirstMark. Ive payed them over {$2000.00} in the last month. ( XXXX thru XX/XX/XXXX ) and over {$30.00}, XXXX in last two years. They improperly took me off military status and have been calling me every day for the past month. I resubmitted my orders, but they still call. They are threatening to report me to the credit bureau. A report to credit bureau compromises my security clearance and is actionable under XXXX. I need immediate assistance. I will contact my local congressman if this is not immediately addressed by CFPB.
Consumer complaint received 2020-02-14
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. (GA)

XXXX XXXX {$750.00} Opened : XX/XX/XXXX This account has me as an authorized user and I have never had an authorized user account with XXXX XXXX. I have one primary account with them and thats it. This isnt my account XXXX XXXX {$29000.00} Opened : XX/XX/XXXX This is account is inaccurate amount and has also been on my credit report for 7 years as of XX/XX/XXXX and should no longer appear on my credit report. 

U.S Dept of Ed {$59000.00} Opened : XX/XX/XXXX This account is showing an inaccurate amount also the date opened was XXXX XXXX. The amount is wrong and this account should not be shown on my credit report. It has passed the 7 years past when the account was opened and was never paid on.
Consumer complaint received 2019-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments (TX)

I have been paying a monthly fee to a company called 1File.org, however the transaction on my account always said " Department of Education '' , until 2 months ago. When I start this agreement with the company, 3 1/2 years ago I was lead to believe is was the Department of Education. I was told they work for the Department of Education and will send my application for the XXXX Loan Forgiveness and help with processing and handling my consolidated loan. I made two large payments in XXXX and XXXX of 2016 to start the process of consolidating my loans and applying for the XXXX, I was under the impression that the money I was paying would go towards my loan and they were handling all the paperwork, as the DOE. Since XX/XX/2016 I have paid {$39.00} every month. I was just informed, today, by my loan company that they are a third party company that reapply for me ever year. That I could reapply with them much easier and not need a third party company, after explaining my confusion and explaining who I thought they were I was given this website to file a complain. I have paid of {$2000.00} to this company, and they never submitted a teacher loan forgiveness application for me. Something I should have received years ago.
Consumer complaint received 2022-06-03
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. (OH)

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  loan # XXXX has violated my rights. 
Hard Inquiries by : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States i have right to privacy. 

15 U.S.C1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I have been a card holder of American Express for over 20 years. Over the years I have accumulated almost one million travel points with American Express. 

I recently tried to log into my American Express account to view and redeem points for travel but I was locked out of the account. I called American Express customer service and was told that because I hadn't used the card lately the credit card had been canceled by American Express and all travel points that I earned were revoked. 

I was also told an email was sent to me suggesting I use the card but not such email was received by me. I scanned my email account to make sure I didn't overlook the email but no such email was received in my main or spam folders. 

I requested American Express send me proof that I was notified and a copy of their policy that would allow them to take these points away but the American Express representative I spoke to ( XXXX XXXX ) was rude and informed me they would not send the requested items to me without a Subpoena. 

I hoping I can recoup the points I earned with American Express over the years without expending legal costs.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

In 2019, Chase Bank decided to end my relationship with them there was a balance leftover and I was able to take care of the balance. However, I spoke to a representative from XXXX XXXX XXXX and they stated that Chase is still reporting through XXXX which is preventing me from opening an account. Today, I spoke to a representative from Chase Executive Office and was told that Chase is not reporting anything through XXXX. Is there a way for someone can verify if Chase is not reporting to XXXX and if so, can it be removed completely from my report? Please, I ask I am having a hard time opening an account and dealing with this constant battle. It's been two years and Chase has not provided any updates or changes at all to XXXX I want it remove.
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I sent XXXX XXXX XXXX a letter for request of Validation the week of XXXX/XXXX/219, after they called me. I never received a response, and sense then i have received numerous calls a day, and they keep using different number. I have over 20 phone number they have used to contact me now blocked on my phone.
Consumer complaint received 2022-05-14
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : XXXX XXXXXXXX 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 2024-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I received a letter from Resurgent about a debt that was purchased by LVNV Funding. I refuse to pay this debt and this debt is disputed by me. I faxed my dispute today XX/XX/2024 to the fax number they provided in the notice they sent. I request that they provide me with proof that they own this debt and the purchase agreement.
Consumer complaint received 2022-04-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Chase Bank Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Inquiry Date : XXXX Claim Number : XXXX Account Number Ending In : XXXX This document ( and the accompanying documents ) are to serve as a formal request for Chase Bank to provide ( in writing ) details of evidence reviewed and Chase Bank 's protocol regarding denial of the above noted claim initiated on XX/XX/2021. 

The enclosed documents demonstrate the transaction in question ( approved by Chase Bank ) was not initiated and/or authorized by me ( the account holder ). 

Pursuant to Uniform Commercial Code ( UCC ) 2-201. Formal Requirements ; XXXX of Frauds. Transactions in the amount of {$500.00} or more require ( a written ) authorized signature in order to be enforceable. As the holder of the above referenced account, I did not in writing, or in any other capacity, authorize the transaction of {$1900.00} on XX/XX/2021 to be processed via the above noted account. 

As the transaction in question was not in accordance with UCC 2-201, I am requesting Chase Bank review its decision to deny the above referenced submitted claim. Also, as the transaction in question was not in accordance with UCC 2-201 it is requested that Chase Bank apply a provisional credit of {$1900.00} to the above referenced account until all full formal investigations and/or formal reviews associated with this claim have been conducted and completed. 

My genuine intent is to resolve this matter with Chase Bank in a just and amicable manner ( save reporting the issue to the appropriate financial regulating authority ). I look forward to working with Chase Bank in resolving this matter. 



Respectfully, XXXX XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There are three collections accounts on my credit report from one hospital visit during XXXX. The hospital billed the wrong insurance company. By the time I found out, they had reported it to collections. THe hospital refusing to bill the correct insurance which was XXXX XXXX XXXX, I had to beg to get an actual superbill from three different places for one ER visit - one from the ER, one from the XXXX, and a XXXXXXXX XXXX. 
XXXX XXXX is taking care of this or has taken care of it, finally. XXXX and XXXX have already removed this from my report, Equifax is refusing to remove it. I have tried multiple times to send them a letter from the debt collector, XXXX, who actually put it on my report to start with. I have attached the letter from XXXX, in it they are requesting the items be removed from my report. I have been trying to get this resolved for months, probably more like a year. I have spent my entire afternoon off of work trying to get this resolved and have been on hold and on the phone with equifax for XXXX hours. I have been put on hold three times and then put thru the queue again. Their system is very cumbersome to actually speak to a person. It takes at least XXXX min to get thru the prompts to actually get an agent. They are in violation of the FCRA because the information on my report they are reporting is completely inaccurate. They maintain they have 30 days to investigate, there is nothing to investigate, I have the proof right here. XXXX also sent them notification on XX/XX/XXXX to remove the items. They still have not complied. I am not sure what else there is to do but get an attorney and sue them. I am already needing to refinance my car purchased a few months ago because of this. I am tired of begging and pleading with them, and I am tired of being nice. I am a XXXX XXXX XXXX and I see XXXX XXXX XXXX XXXX all day long. I don't have time to be spending XXXX hours on the phone with equifax for nonsense. There are already not enough XXXX XXXX XXXX  to go around and this is completely uncalled for. The way I have been treated here is the same way criminals are treated when they are just out of prison. 
Please see attached fax, which i have tried faxing a number of times and uploading to the equifax website to no avail.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

My credit report is showing inaccurate information on all 3 credit reports from Experian, XXXX, and XXXX for the following companies listed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX XXXX XXXX. There are late payments and transactions being listed on all three reports. 

Per 15 USC 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. 

The Privacy Act of 1974 - my rights to privacy have been violated. 

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act, I have a few accounts that have violated my rights. 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX LATE PAYMENT XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX LATE PAYMENT 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 an account without my written instructions 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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