davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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  data breach, and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (NY)

As of XX/XX/XXXX my XXXX XXXX card was charged {$95.00} interest fee for past purchases. What I found interesting is that I began to go into debt with the credit card during covid. I had lost my job during covid XXXX and couldn't make payments. I called to see if there was a financial hardship program that they had that I could take part of. I was told no by one of their representatives. I have been a Navy Federal member since XXXX and up until this past couple of months I have seen that they do not care about their XXXX American members. I was even denied a car loan through them when I was working, and I was told that I didn't make enough and that my credit score was too low ( which I later found out wasn't the case ). I know that I have a previous complaint with them that they have yet to respond to, but I am also making this complaint to show how predatory their practices are when it comes to their XXXX American customers. When I started off with the credit card, I was told that after a year the APR would be 17.99 % and the current APR is at 19.99 %. I would like to settle this in a civil manner without being gaslit about what they aren't able to do.
Consumer complaint received 2021-01-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Assured Financial LLC (KS)

Received a Text from XXXX saying I owed money form a XXXX I had back in 2020 for a XXXX XXXX. I have called my doctor and the hospital, and no money is due. I actually received a refund from the XXXX center. 

The lady said I owed the money and that she was going to apply a XXXX late fee and then hung up on me. 

I believe is company is a scam and needs to be shut down! 

Assured Financial is the name of the company trying to say I own this money. 

My questions is how they got this information. They had my XXXX date, doctors name and address.
Consumer complaint received 2019-09-24
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-02-17
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$750.00} ; 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 2023-03-09
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: EQUIFAX, INC. (AL)

Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-09
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: Bridge IT, Inc. (TX)

I dont have any business with any of these companies and my I am a victim of fraud Brigit/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have XXXX money order in XXXX cheques deposited into my account since XXXX/XXXX/2023. Within the the XXXX money orders XXXX have been cashed by the bank they received the funds already. My account has been restricted because they have not cashed the others money, and no fraudulent activities has been confirmed yet it is still in process. What i do not understand is why i can't have access to be own money into my account while the money order in process have not been cashed yet. As a consumer i have affected by this, because i feel like i am not treated fairly and i missed my rent payment because of this .Is there anyway i can take legal actions against chase bank XXXX Also i requested their employee number they did not provided.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tesla, Inc. (CA)

I recently reviewed my credit reports and found out that TESLA is reporting to the credit bureaus that I have a debt with them, with a balance of {$23000.00} with a monthly payment of {$110.00}. 
I have NEVER purchased anything from Tesla. 
In 2015 I installed solar panels in my home from Solar City.

Tesla bought Solar City, I was notified that the contract would remain the same, but clearly it did not.

Tesla has added a new debt to my credit report instead. A debt that does not exist. 
My original contract with Solar City is for the usage of electricity solely, produced by the solar panels. ( Panels are free of charge ). 
My contract was for 20 years, at XXXX cents per kw. " With the option '' to purchase the panels at the end of the contract at a fair market value determined by an appraiser at that time, Or, have them removed free of charge.

I contacted Tesla, they told me " they are calculating '' the electricity I will use between now and the next 20 years and that's how they came up with a figure of $ XXXX. That sounds insane, I might not even live another 20 years, let alone, predict the future to know how much electricity will be used in my home. (? ) Solar City never reported any amount to credit bureaus. Tesla needs to honor original contract.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — Store credit 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: JPMORGAN CHASE & CO. (NY)

Respected Sir. XXXX XX/XX/XXXX I purchased item from XXXX & return authorization by seller amt {$870.00}. Seller refund XX/XX/XXXX XXXX XXXX recharge again XX/XX/XXXX Same amt. I send return usps receipt return Tracking # XXXX Dt XX/XX/XXXX @ XXXX XXXX XXXX ID : XXXX. 
XXXX ID : XXXX I try to solve but XXXX credit card company not help & hold So please kindly refund full credit because item already seller received & delivery by usps attached copy for ur kind atten quickly. I already send to XXXX dispute XXXX also.still no response yet.Thats why I need your help.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DE)

Experian has blocked me from getting my credit report online unless i pay a fee and has removed my credit block and credit freeze from my file unless i pay them a fee which has resulted in previous fraud accounts disputed with Experian which they refuse to remove the fraud accounts from credit first {$250.00} and XXXX/XXXX XXXX  {$500.00} and XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX {$570.00} and XXXX/XXXX and XXXX XXXX  {$330.00} these all resulted in fraud account due to Experian data breach and i have disputed many times every year for the last few years and Experian has neglected to remove these fraud accounts and not put a credit freeze on my File as i requested numerous times.
Consumer complaint received 2023-02-17
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)

I checked my Credit report File and there are some items and information that do not belong to me whatsoever. I complained earlier this Month on XX/XX/XXXX, and this complaint is a follow-up to that complaint Please investigate these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX The names and addresses are not mine, while the accounts and inquiries are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Consumer complaint received 2023-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

I processed a credit card payment for my business through a chase owned company called wepay. This was done on XX/XX/2023. The funds are still not in my account and the customer has been charged by their credit card company. There is no way to contact the department responsible for the review of the charge and all the customer service agents stated each time ; " Its under review ''. The review period per the terms and conditions is 1-3 business days. That time has expired. I have called numerous times and submitted numerous tickets to their system all of which have gone unanswered. When I call chase bank they direct me to the 3rd party company ( which they own ) and I get no where. I just want my money to feed my family and pay my bills and I shouldn't be out of pocket {$15000.00} because a company is not doing the right thing.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (CA)

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX and XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward.

I contacted PayPal support, who has been unable to resolve this issue.

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Consumer complaint received 2023-02-17
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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 2023-02-17
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below 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 15 U.S.C 1681 602 A. states I have the right to privacy.

15 U.S.C 1681 602 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 1681 s-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 2022-10-30
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: GOLDMAN SACHS BANK USA (GA)

I have been battling with Marcus by Goldman Sachs for months. My entire wallet was stolen from my gym, XXXX XXXX XXXX, in XX/XX/XXXX. I reported this to the police and notified Marcus by Goldman Sachs requesting they close the account and lock the card. However, my request fell through the cracks and the thief was about to make over {$2000.00}. I disputed all transactions from XXXX and the only transactions that were awarded in my favor were the ones that failed to provide evidence to Marcus. The financial institution is claiming that the merchants have provided sufficient evidence because the tracking shows proof of delivery and my information matches. I have requested documents from these merchants and they are all online purchases from an XXXX XXXX ( Ive had an XXXX XXXX since XXXX  ), the carrier service is XXXX XXXX XXXX ( I use XXXX ), my name is continuously spelled incorrectly on all purchasing orders, and the orders come from email addresses that do not belong to me. The email addresses are ; XXXX, XXXX and XXXX. None of these email addresses belong to me. I also have proof that similar charges, from the exact same email addresses, occurred at the same time on a XXXX credit card. They were all marked as fraudulent and I was not held responsible. The law states that : Under a XXXX federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability. 
This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft. 

Marcus by Goldman Sachs has also made me aware that a charge from XXXX  can no longer be reasserted and I will be responsible for the transaction amounting in {$120.00} and XXXX XXXX in the amount of {$530.00} and I am held liable for these transactions. I never authorized these purchases, no one else had authority to make these purchases and I did not receive the merchandise from any merchants.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.
Consumer complaint received 2023-02-17
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below 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 This 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 2022-10-30
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: Bread Financial Holdings, Inc. (TX)

There are two unauthorized inquiries done on the same days one from comenitycapitol/XXXX & & XXXX  Ive never even applied for any credit cards when I looked on my credit report it couldnt even provide information on the companies. When I tried disputing it the results came back fast to as if they didnt even check it because both of these were not done by me, nor did I apply for anything
Consumer complaint received 2023-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MN)

I reviewed my bank transactions and it appears that on XX/XX/XXXX aidadvantage reactivated my direct deposit automatic payments that have been suspended since XXXX without notifying me ahead of time and have calculated a monthly payment amount that is higher than my past payments. I did not reactivate my payments and have not had my income based repayment amount calculated for several years and recent policy change should have lowered my payment. They have reactivated automatic payment without forewarning and i am losing out on earning intrest because of this withdrawal months before payments are actually due. I called but they were on the automated line only and i could reach a representative to protest.