davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had purchased flights with capital one credit card in XX/XX/2019, the trip was cancelled due to COVID-19 and I have been working to receive a refund from the airline carrier. I finally recieved the refund back to the same credit card I used on initial transaction and I want the full refund sent back to me as a check ; well, capital one used half of the funds to pay the account balance on the credit card, which is for my business account when i need the full refund from the flights so my account are not commingling. I requested to have the full refund sent to me and Capital one says they are not able to do so, even after I offered to pay the account balance on the credit card with another form of payment, not from my returned credit refund. 
Horrible customer service and it seems illegal they can keep my funds to pay for their account balance.
Consumer complaint received 2021-12-20
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-08-31
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-01-31
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. (CT)

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.

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 2022-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX Was the report number given to me when I have already filed a dispute of the file regarding XXXX  XXXX, which I mistakingly was threatened into paying off twice, once to a collection agency about XXXX after the account was opened back in XXXX under my name XXXX XXXX and paid off again by another collection agency around XXXX, because they tried to threaten legal action and I could not provide proof of the paid off debt. This account originated with less than {$500.00} of a charged off amount, which is well over XXXX old and should not be used to contact me in an aggressively and harassingly manor by anyone ever. Its paid off and well over paid off at that. The card company has already agreed its a null and void account and has removed from my credit report all together yet collection agencies named XXXX and legal offices pick up this file in some way and reach out to my family members and my spouses place if business times harass me threatening to file suit and carry out legal actions. Its humiliating and illegal, not to mention violating numerous consumer rights of mine. Please investigate and help me notate this file as closed on whatever level necessary. 
Thank you.
Consumer complaint received 2022-09-03
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. (RI)

In accordance the fair credit reporting act XXXX Account # XXXX XXXX credit card has violated righ 15 USC 1681 section 602 .States I have the right privacy, 15 USC 1681 section 604. A section 2 it also states a consumer reporting agency can not furnish a account without my writing instructions.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (CA)

XXXX I have a new debit card I was going to use. The card was sent to me from the company and assured me that all direct deposits would go on that card. I had one direct deposit that was going to be deposited into their Bank at XXXX in the morning it was from social security. I don't have physical checks so I usually write a cashier 's check or a money order to pay my rent. Well the card was declined. The interesting thing about this new card was that my picture was on the face of the card for the first time ever. So I stepped out of line to call the bank and discovered that there was a block put on my account furthermore I was directed to the fraud department who explained to me that there was a transaction that took place without my consent and that's why the card is being blocked. Didn't call me beforehand they didn't they left me feeling as if the transaction had already been taken care of. In any case I would have to call back the next day and talk with somebody at the bank or should I say debit card company. I was on the phone with them for hours on the XXXX and I felt like I was being trifled with the woman I talked to could barely speak English to me I didn't understand most of the things that she was saying she had somebody standing behind her giving her direction. I thought that this issue would have warranted something more than a training session. When I got out of it was if there was three transactions that occurred with three different companies an approximately $ XXXX {$500.00} have been taken out of my social security check to pay for this and I would not get that money back unless I agree to the investigation which is ongoing I guess. I feel this is all the information that you are requesting of me about the complaint so I will stop here and wait for you to advise thank you
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I have called twice on XX/XX/XXXX and XX/XX/XXXX to EdFinancial in regards to requesting a refund for all student loan payments I have made during Covid or XX/XX/XXXX. First call after requesting a refund and providing dates and amounts, I was told it was going to take up to 5 months to process. I thought okay, maybe there's just so many people requesting it. Later that day, a few friends of mine with different servicers stated they were quoted 30-45 days to process. I decided to call EdFinanciaXXXX again next day. I requested a refund once again, but the CSR didn't even mention my previous refund request from the day before. This made me highly skeptical that my refund request was even placed. The 2nd CSR did not ask for dates or amounts of my payments. She only told me it will take 150 business days to process. I asked if I could get some sort of confirmation letter or email. Nope, I was told I have to trust her that she will submit the refund request. Because of the fact she didn't not even mention anything about the first refund request being submitted already, I'm worried my request is just being ignored.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (UT)

Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies. And I want to report this as a fraud. Therefore, I need documents to file a fraud against Navient or XXXX XXXX. I am still refusing to pay this due to not even working in the XXXX, per say as my dream job. It has been ruined, so I have chosen a different career. Thanks.
Consumer complaint received 2022-09-02
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: SYNCHRONY FINANCIAL (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 2024-03-21
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: EQUIFAX, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance {$730.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX Balance {$95.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX  Balance {$18000.00} XXXX XXXX XXXX XXXX  Balance {$170.00} XXXX XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-03-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, Equifax and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. -Sent dispute letters XX/XX/XXXX and still have errors on my report. 15 USC 1666b late payments from open ended credit plans cant be reported. -Dispute was to remove the late payment which wasn't late but still have not fixed it. 15 USC 1681 ( B ) must have written permission to furnish on my behalf. -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. -Have n't been able to purchase a house due to error on my consumer report. 15 USC 1681 ( a ) ( 4 ) right to privacy. -Did not give consent to repost items to consumer report. 15 USC 1681 ( b ) must follow reasonable procedures. -Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. -Items was reported that i used my social to obtain. 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.
Consumer complaint received 2022-09-03
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-09-03
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. (WY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2023-03-15
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. (AZ)

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  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 2022-09-03
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. (IL)

This is XXXX XXXX submitting this CFPB complaint requesting that the Credit Bureaus remove the disputed fraudulent items reporting on my Credit Report. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I feel like the Credit Bureaus have done nothing to correct my Credit file. I am submitting this CFPB complaint to follow up the previous complaint I submitted last XX/XX/2022. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00}. If the Credit Bureaus claim that the Disputed items do belong under my name, I need the Credit Bureaus to provide me copies of proof of verification or any documents bearing my signatures. If the Credit Bureaus find no such documents, I would greatly appreciate it if the Credit Bureaus would immediately remove the disputed items from my Credit report.
Consumer complaint received 2017-02-20
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I have a " savings '' ( private client ) account with chase for about 9 years now. Recently there is an unauthorized charge of {$1000.00} on dated XX/XX/XXXX. Unauthorized charge was done through creating a dynamic check # XXXX. The check does not have my name or signature, it only contains my account number. I contacted Chase Fraud department and they asked me to send an AFFIDAVIT which I did on XX/XX/XXXX. Next day, I have also reported to XXXX Police Department ( XXXX ). However, it seems like they are refusing to give me the unauthorized charge back. I called them several times during regular business hours. Seems like they do not really care. My time in regular business hours is more valuable then the XXXX dollar itself. However, I am very frustrated with the fact that bank like chase can do such things to customers. According to agreement, I am NOT liable for this fraudulent charges. To me it seems like my account has been compromised due to data breach of chase on year XX/XX/XXXX. However, I ca n't be certain, but my account with chase is around 9 years old. 
Along with this complaint, I also complained to Chase executive office regarding their software issue. It was showing arbitrary amount ( around $ XXXX mismatch ) on my savings account online for 24 hours before it got fixed next day. I am not sure if XXXX complaints are related, but certainly customers going to suffer for this issue. I have sent all proofs to them regarding this issue. I have no answer yet regarding the software bug either. Customers should check their bank account frequently. Otherwise, they will never know how their money is gone and I am capable of proving this issue. 
My primary concern is still the fraudulent amount of {$1000.00}. Despite the fact that I contacted their executive office, no resolution is found. Hope to find a resolution through your service. Please note that fraudulent dynamic check that has been generated does not have my name or signature. ( Attachments - 1. Affidavit 2. Police Report 3. Fraudulent check )
Consumer complaint received 2023-03-15
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. (PA)

Fruadlent Accounts on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX