davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

I never open any account with Wells Fargo and they been taking money out of the account they say I own them money witch at this point they own me a lot of money but now they want to close the account on XX/XX/2018 for what I have no clue
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

XXXX  is holding my refund hostage, and my bank closed my claim even though I supplied them with an incredible amount of evidence because " too much time has gone by since I've opened the claim '' Mind you, I have been dealing with this since XXXX ( so 7+ months ), and have called XXXX and Chase Bank at least once a week since then and have been going around in circles. So yes, a lot of time has gone by..too much time for anyone to have to go through this. I feel as though I have been treated inhumanely and have broke down several times over this. I am at a loss, I don't know what to do, all I want is my refund. Chase Bank told me that " there was nothing they could do. '' I was a wreck after being told that, I feel as though I am being tortured for something that isn't even my fault.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was alerted on XX/XX/2022 that I would be charged an annual fee of {$59.00} by Bank of America. I called them requesting to close my account on the morning of XX/XX/2022. ( as soon a I could on the next day ) The charge is due on XX/XX/XXXX, XXXX XXXX and a half weeks from today. I was told that they would close my account, but that I still owed them the {$59.00} fee. I said that was theft of ( non ) service. This is ridiculous. Bank of America = thieves
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX account 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.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: ROYAL UNITED MORTGAGE LLC (IN)

we took our loan out with royalUnited in XX/XX/XXXX. It all seemed a bit shady, It was a reverse loan, told they didn '' t check our credit, but they did, said i had to use the equity in my home to pay these two loans, and valued our home at {$120000.00} but the pay off was {$72000.00}, so they told us when it was over, the loan used up all of our equity, so all of these years they have added charges to the loan and it is now XXXX. also .the interest is XXXX a month. total activity this month is XXXX. Now XXXX has bought the loan, and we have never seen anyone and on this these things are listed as transactions- XX/XX/XXXX dis-procharge pre D7p appraisal XXXX -no one has ever reappraised this pro. also XX/XX/XXXX inspection XXXX XX/XX/XXXX disb .pro..chrg pre D & P-others-XXXX.taxes XXXX , and this XXXX .i sent to them but was returned and told to pay court house, court house sent back said it had been paid by mortgage comp . so that was their over site. total for transaction was {$860.00} .these charges where also added.interest XXXX, monthly int/MIP/PMI $  XXXXMONTHLY INT XXXX ALSO - {$540.00} -mip amount $ XXXX- {$130.00} {$37.00} {$130.00} prin- $ XXXX- interest {$2100.00} mip- XXXX.. The guy that helped us was XXXX XXXX from the start, said call if had questions, so a week or two after closing called when things seem wrong, but said they had to let him go.. so this is a night mare we will die regreating, we can never pay this mess off. and it help no paying a payment, but if we knew all this before we signed we would not done it. We where financed at a local bank and not behind so here at XXXX we own no home. they own us.
Consumer complaint received 2024-02-17
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. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-01
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

per XXXX XXXX XXXX XXXX Why did XXXX XXXX get shut down? 
filed for bankruptcy. XXXX ( and therefore XXXX itself ) came under scrutiny from Federal regulators and watchdog agencies for misrepresenting its post-grad placement rates and targeting vulnerable, low-income students by pressuring them to take out student loans in order to attend the school.

this school gave me loans when i didn't have an accredit high school diploma so now i have loans rack up this school is also not accredit but im still being billed for the loans through navient XXXX XXXX - Subsidized SchooXXXX XXXX XXXX XXXX Loan Status Awaiting Form Administrative Forbearance Estimated Payoff Date XXXX/XXXX/XXXX {$1000.00} 2.320 % XX/XX/2022 Hide more information XXXX XXXX - Unsubsidized School XXXX XXXX XXXX Loan Status Awaiting Form Administrative Forbearance Estimated Payoff Date XXXX/XXXX/XXXX  {$1300.00} 2.320 % XX/XX/2022
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 usc 1681. The personal account information 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 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( a ) ( b ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of the 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 reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-01
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. (TX)

- In accordance with the fair credit reporting Act XXXX XXXX XXXX Account XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXXXXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2017 Called bank of America credit card department to remove myself as a authorized user of my ex-husband credit card. I didn't know why my name was on it in the first place. The associate told me that if I didn't have the account number they couldn't help me. I called again with the account number. The associate said that she couldn't verify me so couldn't help me. I told her that she couldn't ask me any of my information. She said she couldn't. I asked her what was her name and she said XXXX. I asked her what is her last name and she refused to answer. She could ask me any questions to verify me but she didn't.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (ID)

On XX/XX/2022 I opened a Chase Bank checking account after being presented with this offer : https : //account.chase.comXXXX XXXXXXXXXXXX XXXX XXXX It's for a {$220.00} bonus for opening a new account and having a direct deposit made within 30 days. I have read the fine print and have confirmed with multiple chase representatives that I do in fact qualify for the offer. The deposit was made within a week of my opening the account. After not receiving the bonus, I called and asked about it, and was told there is no " coupon code '' applied to my account. I specifically remember entering the code into the online form when setting up my account. 

I was advised to go to the nearest Chase branch to resolve my issue. I drove over an hour to get to this branch where I was told there was nothing they could do as I had opened my account online. I was given a research number and was promised that a Chase rep would call me within 3-5 days.

A week later I called and was told there's no word from the research time, and that they'd call me by EOD the following day. Three days later I called and was assured they would call me soon. Two days later I called and was assured they would call me soon. Three days later I was promised a manager ( not necessarily on the research team ) would call me by EOD. I did not receive a single phone call. I still have yet to receive my bonus and no Chase rep has any idea when I might.

For the record, every representative I've spoken to has been polite and understanding, and I have been pleasant as well. This seems to be a communication issue in Chase 's institution more than anything else. Still I feel I have been treated quite poorly by Chase as an institution and can not believe that it's requiring this much time and effort to give me the bonus that every rep has acknowledged I qualify for. I feel as if I have been deceived into opening an account at a bank that hates me.
Consumer complaint received 2021-08-23
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. (CA)

This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.
Consumer complaint received 2022-12-18
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. (CA)

On XX/XX/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

XXXX has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from Equifax, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, XXXX and Equifax information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, XXXX, XXXX, and Equifax, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.
Consumer complaint received 2019-07-08
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. (NJ)

My address is not correct which might be happened as previous resident who has same last name with me moved out two family house after I moved in my current address. Please help me to correct my current address at all credit report. This incorrect address might be forwarded to many company and they updated my address incorrectly.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

Transunion has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from XXXX, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, Transunion and XXXX information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, XXXX, Transunion, and XXXX, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.