davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (NY)

Upon my review of my consumer reports it has come to my attention that XXXX is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft. 
18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, Equifax, CAVERS ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. Fed Loan servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately 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 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

Chase Morgan Bank  on XX/XX/2024 I deposited a check from a client chase froze my account claiming the check from the bank does not pay out to third party banks. There was also an issue with the first check they issued to me. Chase took the money from the account and still claims it can not be confirmed. Where is the money from the account it was cashed from if it didn't go to Chase. The amount was for XXXX.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$49000.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5400.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Creditor recently l XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date XXXX XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX6 Balance {$1400.00} XXXXtatus Open.. 


FCRA violations : accounts not minXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1300.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1700.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2800.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$1.00} XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Account charged off. {$1700.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1600.00} XXXX Account charged off. $
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (IL)

Caine & Weiner , Inc. is knowingly and wilfully denying my right to validate a debt and damaging my credit standing and reputation. Pursuant 15 USC 1692g ( a ) ( 4 ) Caine & Weiner , Inc. must ( 1. ) obtain a judgment or ( 2. ) provide verification of this alleged debt. I've asked for a full audit trail of this alleged account including a ledger and whether any insurance claims have been filed regarding this account by any creditor so that I could exercise my right to validate the alleged debt. VP Quality Assurance personnel, XXXX XXXX, admits that Caine & Weiner , Inc. " does not have access to a complete payment history '' of this alleged account. If Caine & Weiner does not have access to these important details, they can not speak to the alleged balance owed. Furthermore, Caine & Weiner XXXX Inc. holds that " the balance due is not owed to Caine & Weiner '' but have sent, via postal mail, multiple payment coupons directing payment and checks be made out to Caine & Weiner at XXXX XXXX XXXX XXXX XXXX, CA XXXX, which is false and misleading. Because Caine & Weiner has failed to comply with The Fair Debt Collections Practices Act after several attempts to resolve this matter, I am left to conclude that Caine & Weiner , Inc. has no legal right to collect this alleged debt. Because Caine & Weiner has no legal right to collect this alleged debt and has used my identifying information to create Account # XXXX without my consent, Caine & Weiner , Inc. has committed identity theft.
Consumer complaint received 2022-03-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I have been trying to get ahold of LoanCare who services my mortgage for 3 days. I have tried emailing and calling multiple times - every time I have waited on hold for over an hour - elected a call back and have never received a call back. They recently charged me {$420.00} to schedule an appraisal for pmi removal on XX/XX/19 and they said an appraiser would be in contact within 1 week it is now XXXX and I have not heard back. They will not respond to emails or calls.
Consumer complaint received 2023-09-07
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. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-21
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. (CA)

Equifax is incorrectly reporting me as an Authorized User on XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NJ)

I opened the account with SoFi ( worst decision I have ever made ) on XX/XX/XXXX and the last direct deposit was made XX/XX/XXXX. I have never taken money out of the account. They froze my account in XX/XX/XXXX stating that my account was flagged for suspicious activity. I called them immediately to request that they unfreeze my account, and the individual I spoke to said it would unfreeze within a week of investigating the activity. I called them several months later on XX/XX/XXXX to see why my account was still frozen. The woman I spoke with said they had no way to directly identify the problem as the department that monitors accounts is different and she could only put in a message for them. She reportedly sent a message asking that they review my account and stated that hopefully this will speed things up. She could not give me a reference number regarding my claim, and did not even provide her full name. As of the date of this complaint ( XX/XX/XXXX ). My account remains frozen. I need access to my money so that I can transfer it to a bank that can provide basic banking and helpful customer service. SoFi is the worst.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX ( Original Creditor : 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
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MO)

In  XXXX  2010 I  was enrolled in   XXXX    College  for a   XXXX   XXXX   XXXX  . I was pulled out of class and asked when will I have a job to repay. The cost was  XXXX . Undoubtable I was promised a great paying career only to make  XXXX  out of school .I know now that this was a for profit school. I never needed schooling to get a license to become a   XXXX   XXXX  . It costs about {$78.00} to apply for the license in Missouri. I have been haunted by this mistake for seven years. The program in place to help   XXXX   students does n't help me being as it only covers  XXXX   2010  students. I deserve the same forgiveness as those other victims.
Consumer complaint received 2024-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

Rushmore XXXX has not paid our 2023 Property Taxes. They are now more than XXXX  days delinquent. We have notified them numerous times but email and phone. After more than a half dozen phone calls, they still have made no updates to the account or paid the taxes. We went ahead and paid the taxes to avoid any liens being placed on the property. We now want our money reimbursed.
Consumer complaint received 2022-07-07
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. (CA)

This first all started around XXXX with me applying for a XXXX XXXX credit for my wife because they had a deal when signing up for a credit card so I decided to sign up. When I signed up I chose the payment option to be automatically so there wouldnt be no issues on me having to manually pay it next month because I tend to forget but I made sure I didnt forget about this. So next month comes by believing everything was ok but I received a mail from XXXX XXXX saying that I missed a payment, so I went ahead and tried to pay it off manually thinking I must have put something wrong when signing up for the credit card but that wasnt the case because this manually payment never went through either. So next month I receive a notification informing me that my FICO scored went down XXXX points because of this. So I contacted both XXXX XXXX and Experian to find out what was going on. XXXX XXXX told me that the payment was rejected from my pay account or that I didnt have sufficient funds when I know i for sure had money at that time. Experian informed me that XXXX XXXX never sent the payment so it can be made. The person I spoke with on Experian told me to file a dispute which I did and like in less then a month everything went back to normal my FICO scored went back to normal just XXXX less point but I was fine with that. I call XXXX XXXX to see if everything got resolved just to make sure this wont happen again and it was I told everything looks fine that I didnt owe nothing anymore. And I asked her if I was to run into this issue for whatever reason again next month what should I do? She implied I make another dispute. And just as I feared the next month my FICO score went down again for the same reason and I filed a dispute and now it saying that they see nothing wrong with my results now which make no sense.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

To whom it may concern : I went through the XXXX XXXX XXXX drive thru at the location on XXXX and XXXX XXXX in XXXX, IL. I went on XX/XX/XXXX around XXXX to pick up a prescription I have been taking for a few years now. My copay has never been more than {$35.00}, however I was charged {$1200.00}. I was not asked about insurance or even if I was okay with this amount. I was simply asked for my credit card and ID, very routine. It was only when I checked my bank statement later that evening that I noticed the large sum of money missing. 

Of course once I noticed this, I called the pharmacy immediately and asked why I was charged so much. My insurance information is on file and this medication is never more than {$35.00}. I was only told that they would look into it and would give me a call back. 

Two days went by and I heard nothing from them. I decided to go in person to talk to someone because now this is very serious and I feel no one is taking it seriously. When I got to the counter I told them what had happened and asked for an update. I needed a refund because now I have no money for food or necessities. They responded again that they would look into it and call me back when they had an update. 

After hearing nothing for another few days, I decided to call Chase Bank and dispute the charge since I did not authorize this amount of money to be taken out. They told me to get a physical receipt and prove the transaction was more than expected, which I did. I had previous receipts of {$32.00}, and a charge for {$32.00} in my bank account right before the {$1200.00} charge. So they had charged me the correct amount but then charged me again?? Chase was confused on this as well and granted me credits in the amount of {$1200.00} to resolve the situation since no one at the pharmacy would help. 

Now, I received a letter from my bank ( Chase ) saying the I authorized this charge of {$1200.00}. I absolutely did not. No one told me the amount I would being charged, I did not okay this. In the letter they sent me, they stated they will be removing {$1200.00} tomorrow. This needs to be fixed. I now have no money for food or basic necessities because of them. This is a very serious issue that needs to be taken care of. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX ( Original Creditor : 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
Consumer complaint received 2022-07-07
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 ( Original Creditor : 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
Consumer complaint received 2022-07-07
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 XXXXXXXX  Account XXXX XXXXXXXX ( Original Creditor : XXXXXXXX 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 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

My credit card was paid in full on XX/XX/21, {$9000.00}. The next day I was charged an interest fee of {$97.00} on my {$0.00} balance. 

I called chase to have this reversed and they refused.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Original Creditor : XXXXXXXX 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 2019-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

went thru Zelle and paid someone who had tickets for sale ... ..never received them and my debit card got charged {$500.00} they posted info on XXXX who i contacted and wanted paid thru zelle and never heard back and I am bout {$500.00} the person is named XXXX XXXX and the number he used was XXXX