davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I XXXX XXXX XXXX filed some disputes with all XXXX credit bureaus. such as Experian, XXXX XXXX, and XXXX. I submitted the disputes requesting that my personal information be updated. I got married in XXXX of XXXX. Recently, I was notified by a law firm notifying me of a family trust that had been set up in my name. In the information that I received from the firm. Is that it had been set of by my father before he passed. The firm advised me that there was attempts made over the last XXXX, to XXXX years. The firm advised me that in order to for me to move forward I had to take steps. To complete the process of completing process legally. I had to first of all I had to provide prooI of documents with my legal name. Therefore, I requested my name be updated with all XXXX credit bureaus. XXXX of the credit bureaus, did update my name to XXXX XXXX XXXX. Experian credit bureau, still reporting my name as XXXX XXXX This name is not my legal name by law. The law firm advised me that this is not my legal name So, I am filing this report to get Experian to update my file name which is legally by law XXXX XXXX XXXX not XXXX XXXX. The FCRA, states that in consumer reporting that the consumer information is to be 100 % accurate. Experian, is not following federal law, therefore I am requesting that my name be updated as per the law.
Consumer complaint received 2021-11-20
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: I.C. System, Inc. (GA)

The previous submitted complaint was never resolved. IC systems has replied to the complaint and stated they have sent a response and did not. I have no contractual business with IC Systems and they have not responded to my initial letter.
Consumer complaint received 2021-11-20
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. (AL)

XXXX XXXX Account : XXXX XXXX XXXX ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( XXXX, XXXX, Experian, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to 15 USC 1681a you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all student loans accounts from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )
Consumer complaint received 2021-11-20
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. (AL)

XXXX XXXX Account : XXXX XXXX XXXX ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( Equifax, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to 15 USC 1681a  you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all XXXX  loans accounts from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )
Consumer complaint received 2021-11-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Toyota Financial Services is incorrectly reporting my account status as open and delinquent. I voluntarily surrendered this car in XX/XX/2015, and my last payment to them was in XX/XX/2015. This is confirmed by the attached. 

I dont own them anything ; and further, the credit agreement was governed by the State of New York and the statue of limitations for this was 6 years in New York XXXX so this is too old to be on my report. Its having a negative financial impact on my ability to obtain a loan.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2022-05-23
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. (NC)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # 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 2021-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (MI)

Card provider : https : //myprepaidcenter.com card type : XXXX card status : expired Balance : available customer service : XXXX Website FAQ Says : https : //myprepaidcenter.com/faq : Does the Card expire? 
Yes, the card will expire after XXXX EST on the last day of the month of the valid thru date found on the Card Details page. However, if funds remain on the card after the valid thru date, you may request a replacement card at no charge by calling Customer Service. 


Issue : NO Option for replacement card in automated support nor live operator support.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
XXXX {$0.00}
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/2022, I logged onto my chase credit card app to review my recent credit card activity. When I scrolled to the bottom of the page, it said I was already approved for a new chase sapphire credit card. 

On the same day, I determined I wanted this credit card, so I clicked the button to submit my info to get the card. I instantly got a notification and email saying that theyve received my request for a new card, and my application is under review. Had I known that I wasnt going to be instantly approved, and that it could take up to 30 days for them to decide, I would of never applied for the card. 

I then contacted them via phone on XX/XX/2022 to figure out whats going on and they said there is nothing they can do and my application is being reviewed. This is an unfair practice. They advertised the offer to me as being approved, but then deceptively did not honor that, and are now making my application to be reviewed. I asked them if they could cancel my application and they said no. 

Now theres a hard hit on my credit report for a credit card I dont even want or wont even use because the company is deceptive. 

How can I go about getting this off my record?
Consumer complaint received 2022-05-23
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. (NC)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # 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 2022-04-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: College Foundation, Inc. (NC)

I am out of work and have been trying to contact college foundation regarding my loan for a forbearance. The hold time is excessive 30 mins or more than sometimes after holding so long it will disconnect and I have to start all over again. They have a message as of they are having phone issues since XX/XX/2021. They have reported me to the credit bureau and the are a con and scammed. Even when the president places XXXX  loans on hold they stated they didn't have to and made threats I need a forbearance as well as another servicer they XXXX and are XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

I am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX  for your reference and as proof.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX I noticed several ATM transactions that were unauthorized from a checking account with chase. The money was taken from my savings account without my permission, even though the XXXX accounts were not connected in any way, to cover the ATM transactions. I filed a claim, but Chase refuses to protect my money and acknowledge their mistake. When I call to speak with the claims department, I am told that because the card with the chip was used with the pin that I must have authorized it they never acknowledge their error in transferring funds from my savings account without ever giving permission to do so in the first place, as well as the transactions, not being authorized transactions. They refuse to look into to it any further and say they apologize but there is nothing they can do and that I am out {$5000.00}. I have tried for XXXX months to reimbursed for their bank error and no one will help. I seems as though my bank has left me vulnerable and is now blaming me for their mistake refusing to replace the money they allowed to be stolen.
Consumer complaint received 2022-05-23
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. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, have violated my rights. 

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

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-20
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. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: U.S. BANCORP (WI)

I am a co-signer to a private student loan from US Bank. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX XXXX XXXX, that I owed {$3700.00}. Off guard and shook, Mr. XXXX said that I was the co-signer to a student loan, last payment received was {$37.00} on XX/XX/XXXX, and the balance is due within 30 days. I explained that it was my youngest XXXX  and I do not have contact information. We are estranged because of other matters. I gave him the last phone number I had. That was not good enough and kept repeating himself trying to get me to commit to paying this off. He then offered to settle this matter for {$1900.00}. I told him I wanted more information. I then received a letter postmarked XXXX and then another XX/XX/XXXX summarizing the offer, threat of judgment etc. After this encounter I have been receiving phone calls since XX/XX/XXXX daily with messages on my answering machine. 
I am retired and live on a pension and social security, I have always paid my bills timely and achieved a very good credit rating. I am asking for help to navigate this mess. As of date, I have not received a copy of the original agreement. 
Thank you. ( I would have to send copies of letters under separate cover ).
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

About a year ago, my credit card was maxed out and I proactively reached out to Discover and enrolled in a payment plan. I have since always paid at least the minimum payment due each month without fail. Unbeknownst to me, when I signed up for the plan, Discover 'suspended " my card and disallowed my available credit to change. 

During this 'suspension ' period, I lowered the total balance due from $ XXXX to ~ {$1300.00}. Also unbeknownst to me, Discover has been 'monitoring ' my credit reports and just a few days ago 'made the decision to close ' my account without any warning or deadline to pay the full balance. 

During the beginning of the pandemic, my income decreased significantly, but in the past few months my income has stabized and increased higher than it has ever been. I have reported the increase in pay to Discover and was planning to start making higher monthly payments. 

When I received notice from Discover of their plans to close my account, I immediately called the customer service department and inquired about the reason for the closure. The woman advised me that the decision has already been made and the card is already closed. There is nothing I can do. 

This is the shadiest practice I have ever been dealt from a credit card company. During a time when I reached out for help, they took advantage of me and closed my account without even a warning.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XX/XX/2021
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the accounts that is still reporting on my Credit Reports and needs to UPDATE completely from my Credit Report : MEDICAL XXXX Date Opened : XX/XX/2020 Balance : {$250.00}
Consumer complaint received 2022-10-12
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)

PLEASE NOTE, THIS IS NOT A DUPLICATE COMPLAINT. I'm sending this complaint regarding this issue FIRST TIME. 
I '' M NOT USING ANY THIRD PARTY FOR THIS REGARDS. 
I have also sent complaint regarding this issue to GENERAL ATTORNY. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX - XXXX ; XXXX  - XXXX ; XXXX BANK - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.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. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.