davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (SC)

In 2012 I owned a property at XXXX XXXX XXXX XXXX XXXX SC, XXXX, it was in arrears and headed for forclousure, I was sent a letter from Chase that they would buy the property at {$34000.00} if it passed inspection and release me from the mortgage with no detrement to my credit. I am trying to purchase a home at this time and they have reported it as a Deed in Lue, this was not what I was told I spoke to Chase this am and they said that I signed papers to that effect, I did not read the papers and went on the facts that I was told by there rep over the phone,
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Social Finance, Inc. (CA)

My complaint is with SoFi credit card. Since I have had this credit card my payment is rejected and I am imposed a XXXX returned payment fee. I will call in to complain and they use the same information that I submitted for an automatic payment and my payment goes through just fine and they wave the XXXX late charge. My regular payment is XXXX. On XX/XX/XXXX they attempted to extract XXXX from my automatic payment. The same day the payment was returned and I was assessed XXXX late charge as usual. I spoke with them to my today XX/XX/XXXX and they now claim that the payment is delinquent in the XXXX amount because despite making my regular payments being made on time. They said they would file a complaint within their company. They attempted to get me to make a payment of XXXX to bring my account current. I refused and said I would file a complaint with the appattempting tropriate government agency. At that point I was told that my account is considered and this would be to the credit bureau if not cleard up in 30 days.My email adress is XXXXXXXX XXXX XXXX XXXX This is starting to lean toward fraud in the fact that my payment is returned and am imposed a XXXX return payment fee but when I call and they put the payment through manually it is accepted even though my automatic payment is the same information they use to manually enter my payment. I am XXXX yrs old and on a fixed income. Their attempt to get me to pay XXXX today, XX/XX/XXXX, and attempting to extract XXXX XXXX XX/XX/XXXX instead of the regular XXXX payment will do damage to my budget. Their phoe # is XXXX
Consumer complaint received 2016-11-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Education Servicing, LLC (MD)

To Whom it May Concern : Back in XXXX of 2014, I contacted your agency regarding a private student loan that I had though National Education Servicing, ( NES ) at the time I was paying I think {$50.00} a month. However, none of my payment was being reported to the Credit Bureau, instead since I was told that I was not paying the complete amount, I was being reported as delinquent. Once your agency contacted them, they decided to place me in a restoration program where all the delinquencies would be removed my from credit report and my monthly payment was increased to {$100.00} a month. I have consistently make those payments. However, I checked my credit report today, only to realized that National Educational Servicing has not cleared the delinquencies from my credit report and currently has me in default even after the payment of a {$100.00} that we have agreed on. National Educational Servicing wants me to pay {$700.00} a month, which I can not afford, I am a Program Assistant, with the Civil Rights Division of the Department of Transportation. My salary is : {$49000.00}. However, they have gone back on their word to report me positively to the credit Bureau and I am currently in law school and they told me I am not able to get a forbearance because I have defaulted on my loan, even though I have been consistently making a monthly payment of {$100.00}, one which we agreed on, now I am in default on an agreement that I reached with said agency. The phone number for National Educational Servicing is : XXXX. I would appreciate a prompt resolution to this matter. The manager I spoke with at NES is XXXX. 
Best, XXXX XXXX XXXXXXXXXXXX Ph : XXXX Acct # ***********
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act, 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 has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Citibank. On XX/XX/2022, I applied for Citi XXXX XXXX XXXX XXXX. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Citibank has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. 

I received a response from Citi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.
Consumer complaint received 2022-02-15
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. (OH)

I took it upon my self to follow the FDCPA laws and FCRA laws by sending all incorrect and damaging report to all the creditors and collections agency a Validation letter. None of the only 2 account complied with and sent a letter to remove the accounts of my credit report. I created a packet to all 3 major credit report bureaus showing evidence of all letter send and dates ( which I waited the complied 30 days gap ) advising them to remove and all accounts listed in the letters sent to all creditors and collection agencies. it has been more than 45 days and non have been removed. I also confirmed that all 3 mayor credit bureau have received the packets sent by me. I have tried to exercise my rights has its stated in the FDCPA and FCRA and non of which have complied with not even a letter or a call to fix my credit.
Consumer complaint received 2023-04-08
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)

My identity was stolen. These collections are due to accounts that were fraudulently opened in my name and are not mine. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  XXXX XXXX XXXX  ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the CRA & XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Consumer complaint received 2022-02-16
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: Mercedes Benz Financial Services (MD)

I purchased a vehicle from Mercedes in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have XXXX separate entities for a reason I was told that Mercedes will just do XXXX hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. Mercedes also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
Consumer complaint received 2022-02-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc. (NC)

For the account named above. I never signed a " HIPPA '' release form to share my medical records. According to the " Fair Credit Reporting Act '' this is a violation of my HIPPA Rights. Medical Revenue Services has obtained a copy of my medical records for services on XX/XX/19.
Consumer complaint received 2022-02-15
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: WELLS FARGO & COMPANY (CA)

Three fraudulent super checks were written on my Wells Fargo credit card account. I never use those checks and usually throw out any offers I receive. Some how someone internally from Wells Fargo or externally looking through mail or trash, used three separate super checks to max out my credit card. I had not used the account in nearly a year it had no balance. I only use one credit card, from XXXX, but have several I dont use. My credit score was over 780. I have tried to report this fraud for over a week and nothing has been done. They say they need to do a 45 day investigation. They are going to ruin my credit score and I dont even know what the fraud is. Where the checks were used. No one has any answers or any reassurance I will not be made responsible for this fraud.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (TN)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2023-05-23
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I finished my loan installment with XXXX XXXX XXXX in XXXX of XXXX never had a late payment during this time. It has been brought to my attention that after the account was closed due to me finishing the loan installment plan theyre still reporting to the credit bureau that I have late payments on my report and it is extremely impacting my credit score and me being able to purchase a house. This is inaccurate information being reported to the credit bureau I finished my loan in XXXX with no missed payments and this is very frustrating to see.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NY)

I attempted to make a payment in XXXX of 2019, and the payment was returned due to some unknown reason. I was not notified of this. Everything was paid in full when I voluntarily checked my account for an update. I had an address change that I communicated and never received statements from XX/XX/2019. I spoke to a representative of Chase and was told that there was nothing they could do to ameliorate the situation. I also have no e-mail communications on record from this account to my e-mail on file, leaving me with 0 communication methods to know that my payment was returned or that my payments were late.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XXXX-I was charged for an amount of {$1600.00} for a healthcare service that ended up damaging me and cost me more money out of pocket. I cancelled the service early ( as there was more service previously booked ) and left the merchants home due to injury. I disputed the charge with Citi Bank, sent in proof of flights leaving the merchant, XXXX accommodation for time needed to heal before traveling back to my home, flight leaving back to my home, and an invoice from a local XXXX from the damages done. I have provided ample amounts of proof for the dispute, while the merchant has none. Attached : -Proof of original flight. XX/XX/XXXX - XX/XX/XXXX. -Proof of departure from merchant XX/XX/XXXX. -Proof of XXXX stay. -Invoice proof of damages. The company resolved half of the issue, and is not assisting with the other half. I was told the other half would be taken care of, but now it just sits in my account is becoming a late payment. I have called multiple times, and each time I get a different answer. This other {$600.00} needs to be removed from the account. 

On XX/XX/XXXX and XX/XX/XXXX, I called and spoke with representatives who assured me that the dispute for the remaining {$600.00} was reopened and a {$600.00} conditional credit would be offered, and I would not be facing any late payment fees or charges. The charge was never removed and no conditional credit was given. I called back on XX/XX/XXXX, and was given completely different information about the dispute being closed. Citi Bank representatives have given me false information and have no damaged my credit report. 

According to 15 U.S.C. 1666 ( b ) Billing Error : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Citibank failed to issue a credit as they said they would, and have violated my rights as a consumer. The remaining balance of {$600.00} needs to be removed within 4 days of receiving this.
Consumer complaint received 2022-02-16
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. (KY)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX XXXX  XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-02
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXXXXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have 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 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 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 2022-02-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX days late in XX/XX/XXXX, XXXX XXXX ad XXXX XXXX. 

XXXX XXXXXXXX XXXX  XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have new information regarding CFPB complaint # - XXXX, XXXX, XXXX, XXXX, and XXXX. I received a letter today from XXXX XXXX that is reporting negatively on my consumer report. According to this letter the company sent Equifax a letter on XXXX letting them know that I have handled this account and asked them to remove it. Equifax still have this company reporting negatively on my consumer report willingly and knowingly. Equifax is in violation of 15 usc 1681.
Consumer complaint received 2022-02-15
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (TX)

So over a year ago I was told by the IRS that I had my tax refund going into a certain account they gave me the routing number they gave me the account number and they also gave me the phone number to American serve OK Ive called them repeatedly about at least over XXXX times to get this settled in XXXX the IRS contacted American serve sent them a letter of XXXX and I still havent received my funds I was told by American serve within XXXX days after the letter of XXXX that the funds will be sent back to the IRS and the IRS will
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

The company Equifax is allowing an alleged unvarified debt to be reported on my account. This alleged account has no company name attached to it, only an account number. I have reached out to Equifax via mail and have not gotten any response about the alleged account.