davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX, I went in person to XXXX XXXX to open a XXXX Credit Card. I requested that they do a {$3000.00} Balance Transfer to my current Chase Credit Card. On XX/XX/XXXX, XXXX XXXX issued a check to Chase Bank for {$3000.00} to pay off my credit card with Chase. I continued to monitor my account, and on XX/XX/XXXX, when my Chase Credit Card account did not show the credit, I went into XXXX XXXX  and spoke to the Assistant XXXX, and she assured me that the check was issued. At that time, I requested a copy of the check that XXXX  sent to Chase. On XX/XX/XXXX, I received a copy of the front and back of the check showing that XXXX cashed the check on XX/XX/XXXX. I contacted Chase Credit Card XXXX on XX/XX/XXXX, stating that my credit card still showed a {$3000.00} balance despite having a copy of the cashed check. They agreed to apply a temporary credit while they looked for the payment. They asked me to XXXX over a copy of the check, which I did on XX/XX/XXXX. On XX/XX/XXXX, I received a form letter stating, " {$3000.00} was credited to your credit card account in error, '' putting it back on my account. On XX/XX/XXXX, I called and talked with another Chase Agent who stated that they could not find the money or the FAX I sent them on XX/XX/XXXX, and I could submit the document through the Chase XXXX, which I did. I have confirmation they received the copy. As I continued to monitor my account, I discovered that Chase had put the {$3000.00} back on my credit card account without any reason for doing so. On XX/XX/XXXX, I spoke with another Chase Agent, and he felt that due to the XXXX XXXX XXXX on the check, the money was sent to the " Banking side '' instead of the " Credit Card. '' He assured me that he was 99.9 % sure he would find the money and then apply it to my credit card account. After reading over my account, he and his supervisors were appalled by how I was treated throughout this matter. He told me to wait until XX/XX/XXXX to resolve it, but it was not. On XX/XX/XXXX, Chase put the {$3000.00} back on my credit card. I called again on XX/XX/XXXX, and was told that the check was returned to XXXX XXXX and to contact them. I asked him how the check XXXX  issued was returned since I have a record of Chase cashing the check. After many hems and haws, he told me he must do more research. I then requested that he send me a copy of the check that Chase returned or the confirmation if it was an electronic transfer. As of XX/XX/XXXX, I am still waiting to receive confirmation, and my Chase Credit Card account shows that I owe {$3000.00}, and my XXXX XXXX  Credit Card account shows I owe {$3000.00}. I am requesting an investigation into Chase Credit Card XXXX. I went from owing {$3000.00} to {$6000.00} with no end to this nightmare. I am praying that you can help me resolve this because I am fighting XXXX, and I need to put my energy into fighting XXXX and not this issue.
Consumer complaint received 2023-02-27
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: CL Holdings LLC (CO)

This account is not my account. I have previously disputed this account and it was removed. Then was later added back. My identity has been stolen multiple times. Around the same time this account was open there was approximately four other cell phone accounts, open and a three month period. Obviously fraud. I previously asked them to send me a debt validation letter in the mail and they sent me a bill. They can not provide me with my whole Social Security number, and they have the original address on the original account incorrect. Wrong apartment number. Id like this removed from your credit report immediately
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I just received a recent credit report and it states that the my account is pays account as agreed, paid or paying as agreed, or current account/was delinquent 60 days past due date. My account is current with Toyota and that should make my credit report back to being positive in not negative. Everyone is remarking with the above statements but not showing the same thing on the report. This is not giving me an accurate credit score.
Consumer complaint received 2023-01-13
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (LA)

On XX/XX/XXXX I contacted Great Lakes about a student loan that has been transferred from them to Debt Resolution and then transferred to XXXX. All three times the loan was reported to the credit bureaus, which made it appear that I owe more than I actually owe on the loans. I spoke to a loan processor and explained to him that Great Lakes double reported and also made false claims that I maid some payment and missed some payments when I have never made a payment to Great Lakes. It was reported that I made and missed payments between XXXX XXXX. With XXXX being the last time that Great Lakes reported. I was told by the loan processor that my issue was above his pay grade and that it will be falling off in a couple of months and that I should let it fall off. He was able to see where ithe incorrect information was reported to the credit bureaus and he then transferred me to someone else that could remove the information off of my report. I was the told by an agent that I had to dispute the information qith the credit bureaus in order for them to remove it. I stated that I had disputed the incorrect information several times and each time Greaymt Lakes responded that the information was correct. She than stated that they do jave a dispute from XXXX and that I needed to dispute the inaccuracies with all four ( XXXX, XXXX, XXXX, and XXXX ) in order for it to be removed correctly.
Consumer complaint received 2024-02-19
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. (AK)

This is not a verification dispute. USDOe/XXXX  Account # XXXX is old and is reporting 14 years on my credit report. 

USDOE/XXXX  is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. USDOE/XXXX  actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. USDOE/XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. USDOE/XXXX  has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. XXXX XXXX XXXX and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old USDOE/XXXX  Account XXXX.
Consumer complaint received 2023-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (PA)

On XX/XX/2023, XXXX took an unauthorized debit of XXXX from my checking account with XXXX XXXX XXXX XXXX XXXX. My payments with XXXX are due on the XXXX of every month. I receive my statements from Upgrade notifying of my payment due on the XXXX. I was given no notice from Upgrade of any pending debit from my checking account scheduled on XX/XX/XXXX. Even though it was XXXX, I was overdrawn on my checking account and their unauthorized debit caused me to incur another {$30.00} overdraft fee with my credit union.

I immediately notified my credit union that this deduction from Upgrade was not permitted. And I immediately chatted with someone on Upgrade. In the chat, which I saved, the agent acknowledged the transaction was a billing error and she then directed me to call the Upgrade XXXX XXXX. I did so and spoke to XXXX who also reviewed the error and assured me they would reimburse me the {$30.00} fee directly into my checking account. He instructed me to obtain a PDF statement from my credit union showing that Upgrades withdrawal error caused me this fee. 
I immediately got the statement from my credit union and forwarded it to the email address given to me by Upgrade. I called again the following day to receive acknowledgment that the pdf was received. I asked for XXXX again but was sent to someone else entirely. They said it would be reviewed and I should have the {$30.00} reimbursed within the week. It has now been XXXX full weeks and Ive received nothing from Upgrade. They have not reimbursed me the {$30.00} fee they caused.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (GA)

I received an notice from XXXX  by XXXX XXXX XXXX. That the company Southwest Credit Consumer did an inquiry and placed a collection on my credit report. I contacted the company on company asking why are they in my credit. They stated they are attempting to Collect a debt for a company by the name of XXXX. I dispute this Collect and debt and information them any Collect they are trying to collect. To send the proof on the debt to my attorney. I gave the law firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Phone number XXXX. This company has never sent me any type of proof from XXXX or never sent me any type of letter they were attempting to collect a debt. They have never contacted my attorney they are trying to collect a debt. I have had several Black Web fraud accounts put in my name and address I never lived with. This why I have XXXX XXXX I also have a credit protection law firm monitoring my credit. Do to company like Southwest Credit Consumer. They have 15 days to provide proof with my signature authorizing account setup with a copy of my Id with it. If they don't I'm requesting the law firm ti file a fair credit debt lawsuit.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

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 2022-12-02
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: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-13
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. (GA)

I acquired my credit report and asked the credit bureaus to check and sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX, Experian, and XXXX did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of the last payment is not correct on three credit reports.which is a violation. This is impacting me from moving forward to buying a house for my family.I attached my previous credit report and my new credit report to show how Experian violated my rights.
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-01-07
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)

UNTIL EXPERIAN CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE BOTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MY REQUEST TO RELEASE MY PERSONAL, PRIVATE, & NONPUBLIC MEDICAL INFORMATION TO YOU, EXPERIAN I DEMAND YOU DELETE THE FOLLOWING ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

Please send the above demanded information to my mailing address listed above. This letter is a demand for validation, and I demand FULL DOCUMENTATION containing all the information you received from the service provider of this alleged debt. 

Continuing to report this Medical Debt without properly validating and providing me PROOF OF PERMISSION is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond, or this debt will be considered invalid & removal of this debt will be furthermore required. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-05-23
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. (CA)

On XX/XX/XXXX, I sent 3 letters, one to each credit bureau, specifying an account that was being reported incorrectly, violating my right as a consumer to have a fair report. 

In those letters I pointed out and clearly specified the errors found and the instructions that I want to be followed for each account and they were ignored, I did not get any response.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (KY)

I was in a US bank today to open an account myself I told to the lady that I want to open account and she said ok go and seat down I was waiting patiently because she was doing something on her computer after that she assess drop off a deposit and is still waiting for one another lady came out said wait and we will be with you so I'm still waiting for nobody else inside except me I'm just seating there if there is no drop-off deposit they working something inside the teller office then there is a woman came inside and they assess here I was thought maybe after this lady they will assess me then but I'm wrong because they do another thing again I feel I'm discriminate me because I am a XXXX, but I'm US CITIZEN ALREADY then I decide to leave because nobody want to assess me to open my account and when I leave nobody says anything US BAND IN XXXX
Consumer complaint received 2023-03-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIBANK, N.A. (WA)

To whom this may concern, On XX/XX/XXXX I reached out to Customer Service of Citigroup to ask for a refund of overpayment during XXXX. I was told I needed to show proof of bank statements. However, I did not have that kind of proof since the bank account where the automatic payments were made had been closed and thus I had no access to electronic bank statements to show these transactions and even less the paper records. 

On XX/XX/XXXX I reached customer service from Citibank again since I found records of such extra payments through my annual credit report and a letter I received ( for tax purposes ) regarding the payments made during XXXX and that should be refunded since the loan had been forgiven. I have been receiving ambiguous responses from customer service that lead me to believe they just want me to drop the topic. 

On XX/XX/XXXX I placed a complaint about this issue. On XX/XX/XXXX, I received a notice ( attached ) letting me know my name was not listed in the loan account and so I am submitting this new complaint with more verification documents hoping this time I can get the refund I have been requesting for many months now.
Consumer complaint received 2023-01-19
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. (PA)

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with late payments removed. 

XXXX XXXX XXXX XXXX - XXXX