davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
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. (IL)

On XX/XX/2018, I read an alert from my bank, XXXX XXXX Bank, that XXXX XXXX Bank reported my credit card account as " Charged Off. '' Per the alert from my bank, dated XX/XX/2018, XXXX XXXX XXXX  reported the account as Charged Off on XX/XX/2018. I called XXXX XXXX XXXX  at XXXX and spoke to a representative who said her name was " XXXX at extension XXXX. '' XXXX said that the account would have been reported as charged off due to late payments. However, after she reviewed the account, she confirmed I have not had any late payments. XXXX asked to review the account again and consult with a supervisor. After, she said the account was reported as Charged Off because a payment was returned resulting in the account being closed. She said XXXX XXXX Bank reports accounts as Charged Off when they are closed due to returned payments even if payments are made on time before and after the returned payment. I asked to speak with a supervisor who introduced herself as XXXX. XXXX confirmed what XXXX told me and said, put me on hold to consult with the " Concern Dept. '' and returned to the call to tell me there was nothing anyone could do to help me. I asked XXXX when XXXX XXXX Bank charges off accounts, and she said when they are 180 days late. I asked her if my account has been late, and she said no. I asked her how XXXX XXXX Bank can legally report my account as charged off if my account does not meet the criteria, and XXXX said there are other reasons that accounts can be legally charged off which includes the reason why XXXX XXXX Bank charged off the account. XXXX transferred me to her manager. The manager said that his name was XXXX. XXXX barely listened to the issue but did confirm that the account was charged off and reported as such because a payment was returned resulting in the account being closed. XXXX said that XXXX XXXX Bank followed federal laws when they charged off and reported the account as such to the credit bureaus.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

I started attending the XXXX XXXX XXXXXXXX in XXXX of XXXX and took approximately XXXX credit hours of instruction towards my Bachelor 's ( Even though I had XXXX credits from previous universities ) and another XXXX credit hours of instruction towards my Masters of Information Systems degree/certificate. I pursued this education option with the expectation that upon completion I'd be able to make enough in salary to comfortably pay back the money borrowed for education. The costs of attending XXXX XXXX XXXXXXXX seemed reasonable but little did I know this loan would balloon in to over {$200000.00} debt and continues to go up even though I have been faithfully making payments on time since XXXX of XXXX. During this time my student loan payment amount has increased from {$530.00} to over {$770.00} a month and is due for another increase in XXXX weeks!!! This is more than I pay in mortgage payments. I was forced to file bankruptcy just to keep a roof over my head. I am filing this complaint as I have recently learned that XXXX XXXX XXXXXXXX and/or Navient loan servicing have been found to have participated in unfair lending practices with these for profit institutions of higher learning even though they never advertised the " for-profit '' portion of their services. My original loan amount of {$66000.00} now has a current balance of {$180000.00}!!! And the account shows another loan with a {$6300.00} original balance that now has a balance of {$13000.00}!!!
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-01-15
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. (NJ)

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 2021-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (AL)

The person claimed to be the owner of a house that I was interested in leasing. They instructed me to send security deposit to ensure I was serious about renting the house using XXXX payment service. They instructed to send {$950.00} to the email address XXXX using the name XXXX XXXX. I had issues sending payment so I requested their bank information in order to deposit a check. The banking information they gave was XXXX XXXX at chase bank with the above routing and account numbers. I ended up getting the XXXX payment to work, so I sent it that way. They promised to send a lease and proof of ownership the same daywhile they sent a lease, it is entirely fake and they were unable to prove ownership of the house. The receipt sent for the security deposit listed the following vacant address : XXXX XXXX XXXX, XXXX, XXXX, Florida, XXXXWhen I pointed this out they stopped responding to all calls and messages. Another number found was ( XXXX ) XXXX Bank Info : Bank Name : XXXX Bank Account Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX
Consumer complaint received 2020-07-27
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)

XXXX XXXX XXXX XXXX XXXX TX XXXX Address Information on this item has been updated as shown above. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated wrong address XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Leasing and Rental Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX not mine inquires XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$4200.00} Balance Updated XX/XX/XXXX Original Balance {$16000.00} Monthly Payment not mine XXXX XXXX XXXX XXXX alll not mine
Consumer complaint received 2022-08-26
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-17
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened an account with Bank of America on XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX with XXXX XXXX, Relationship Banker. I deposited {$3300.00} into a new account that I opened on XX/XX/2020. I have my debit card which was cancelled by the time I received it in the mail. I have a deposit receipt for {$3300.00}, which included my {$1200.00} stimulus check, my {$930.00} tax return, and I transferred {$1200.00} from my pay card to the account, which accounts for the {$3300.00} deposit. I have the receipt for the cash transfer and the stubs for my checks. I then withdrew {$770.00} in a cashier 's check for first month 's rent and deposit on a new apartment which I have the receipt for. That left the account with a total of {$2500.00} on XX/XX/2020. They gave me no information on why the account was closed about a week later, and at that time they said the checks may be returned so I wasn't even sure if I would ever receive the money I deposited. 

They say they have mailed a check on XX/XX/2020 to the address on my account using regular postal mail, but I have not received the check as of XX/XX/2020. The address is my friend 's house which I was staying at for one month until I found a place. I have since moved out and placed mail forwarding and informed delivery on my postal account. When I call they can usually tell me the status of the cashier 's check, that it hasn't been cashed, but today they told me they can't tell me that information. I was told that I would have to wait until the check was returned or until XX/XX/2020 to be issued a new check. I have no money, my rent and bills are due and I have no idea what is going on with this check which has not arrived to my old address, nor has it been forwarded to my new address, whether it's been cashed, where it is in the mail or what is happening and I need some help figuring out what to do. I don't understand why it's legal for them to close my account, seize my funds, then mail a check that they can give me no information about.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I have applied the starwood preferred guest business credit card with XXXX bonus star points after {$10000.00} spending within 3 months after approval. I have met the spending requirement, but never got the bonus points. I have tried to call american express several times, each time the representative said he/she can see the bonus term in my account and it will be posted soon. However, after several months and multiple calls, I still have not seen the bonus points.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (CA)

Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX EXPERIAN - XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (KY)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

Chime bank has let a company called XXXX charge my account {$2300.00} over - 4 month period. The charges are all Fraudulent Ive never heard of this company. Chime has credited me XXXX in charges from this company but not the remaining amount. Ive asked chime for Documents from the investigation and they only sent me a intake form which the rep that did the form input incorrect information. She failed to notate my phone was hacked and my identity had been compromised along with my phone. I reached out to XXXX who stated they didnt have any information of an account from me in my name and they told me to dispute with my bank and have my bank refund the charges. Chime has failed to refund my charges and will not give me A reason of why it was denied they only sent my a intake form. They have failed to state certain information that chime has to provide on the denial letters ( such as terminal location/transaction location, type of transaction XXXX XXXX XXXX XXXX XXXX XXXX ) name of financial institution that initiated charge ) they had none of this in the denial reason. They also misstated what i said in my dispute.this company is not adhering to the regulations
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

I requested my free annual credit report from Experian and they started charging me an annual fee. I tried calling Experian to resolve the problem, but I could not reach them and they did not return my call. I called the bank responsible for the credit card being charged and they recommended disputing the charge. I continued receiving charges from Experian after disputing the charge, so the bank changed the number on my card, but Experian found the new number and continued charging me. 

I believe Experian is in violation of federal law and should be ordered to cease and desist.
Consumer complaint received 2020-07-27
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 have an account showing on my credit report for XXXX XXXX. See below Account Info Hover over labels for more details Account number XXXX   Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : 100 % Balance on XX/XX/XXXX Credit Limit {$7100.00} {$7000.00}
Consumer complaint received 2022-06-16
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for 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 2020-07-27
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have called to file the dispute on XX/XX/XXXX and tried to explain to them that I was a victim of inquiry issue. I was told that I was not a victim and that they can not due anything because they do not do anything about it. They told me to wait till they get off my credit. 
inquiry that I was referring to was : XX/XX/XXXX and XX/XX/XXXX - US SM BUS Admin ODA XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (VA)

On XX/XX/2022 I Sent A Debt Validation Letter To LVNV Funding Regarding Account # XXXX And Also A Cease And Desist I Recieved A Response From Resurgent Capital Services For Account # XXXX And What Was Stated On The Letter Was This IS A Attempt To Collect A Debt This Is A Violation Of 15 USC 1692b ( 2 ) That's {$1000.00} For That Violation And I Have Proof Of This Violation Then On The Letter It Stated Because Of The Age Of The Debt LVNV Funding Can Not Sue I Asked For A Paper Trail On This Accout Statements Does Not Validate This " Alleged '' Debt And Further More I Would Like Resergent To Send Me Valid Proof They Are Aurthorized To Collect " Alleged '' Debt In My State If The Account Is " Charged Off '' Then How Is It A Balanced Owed As Well? I Never Received A 1099 I Guess LVNV Funding And Resurgent Capital Services Uses Debt As A Tax Write Off Plus Continue To Collect On Money They Already Received I Have Not Ever Done Any Business With LVNV Funding Or Resurgent Capial Services I Would Like To See A Contract With My Signature With Both Company 's Resurgent Capital Services Is Committing Identity Theft Pursuant to 15 U.S Code 1681a ( q ) ( 3 ) Resergent Capital Services has commited the act of " Identity Theft '' Using the identifying information of such Person, Never Gave Them Written Instructions To Furnish Any Information About Me To The Credit Reporting Agenices Resurgent Capital Services Is Causing Me Great Mental Anguish And I Will Seek Litigation {$1000.00} Per Violation As Stated On The Cease And Desist I Would Like A Check Mailed To Me As I HAve Valid Proof Of Your Violations The FCRA IS Here To Protect Me And I Have Rights And You Have Broken Them Also Iv'e Sent A Affidavit Of Truth And Fauiler To Respond To It Line By Line Will Result Is Litigation
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.