davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (TX)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts 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 Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent letters to Equifax, XXXX and XXXX regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I've sent dispute letters to XXXX, XXXX, and Experian and have yet to hear back about the unverified Items on my report. The letters were sent out on XX/XX/2020, and XX/XX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still report.
Consumer complaint received 2020-11-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I've sent dispute letters to XXXX, Equifax, and XXXX and have yet to hear back about the unverified Items on my report. The letters were sent out on XX/XX/2020, and XX/XX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still report.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC (GA)

Cavalry SPV hired XXXX XXXX XXXX XXXX to collect my deb, XXXX hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then XXXX XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. 
They fabricated the notice, I never received a notice to go on court neither my family did.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ending with XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Unauthorized transactions were placed using my amazon synchrony card in XXXX. I reported the transaction to the bank, and the bank started investigating. After the investigation was over, I received a letter stating that the items were sent to my address. However, I have never authorized these transactions.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

my wells fargo account has put a government stimulus check on hold in my account. my boyfriends mom and his brother finally got theirs the other day and since my boyfriend already had his deposited into the account we didnt think nothing of it? so i deposited his brothers first and it cleared no problem, then later on i did his moms check and they put a XXXX $ hold them house later then put a hold on both of the checks? 2 weeks before that his mom got some checks in the mail that she didnt know was fake or something but wanted to see if it would clear bc the person who sent them was stating they would, but i waited until the the money was cleared or returned before even touching the money so that there would be no problem.. this is why they are basically holding my boyfriends moms and brother check ... which is fine but its not the same check ones from some person and this is a official government stimulus check. they are also closing my account bc of this one time of these checks being returned .. i have had a good history with this bank. no overdrafts or anything actually. i called to talk to the bank about it and they are just rude and dont really care about whats going on. im frustrated.. i wouldve never got with this bank if i knew this is how they did customers ... closing my account holding these checks.
Consumer complaint received 2020-11-09
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: Experian Information Solutions Inc. (FL)

There are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-10-17
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. (AZ)

On XX/XX/2022 I noticed personal information that did not belong to me. On XX/XX/2022 I sent letters to all 3 credit reporting agancies letting them know it was false information. Experian did Not remove the false information while XXXX and XXXX found it false and removed it. I sent second letter requesting that they remove the information on XX/XX/2022. Then a third on XX/XX/2022. Experian has failed 3 times to remove false information from my credit report.
Consumer complaint received 2023-09-09
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: Self Financial Inc. (GA)

In accordance with the fair credit reporting act ( Self lender_XXXX ) XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 section. 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Carvana Group, LLC (FL)

I have tried to apply for an account with carvana ; when the identity verification came up, none of the questions apply to me and I have my XXXX  credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my XXXX  credit report is incorrect and is preventing me from pulling a new credit report with XXXX, Carvana, nor was I able to use XXXX
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

As I was reviewing my credit report, I noticed that I have a collections that is not mine and it is affecting my credit score. I never got a mail, notifications or warning that this will be reported in my credit report. I already sent a dispute letter to the collection company and credit beauros.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

Hi, I have closed a dispute on my account, and I received an email from the merchant indicating that they have reached out to my credit card to close this case in my favor and they no longer will charge my account for this order. However, the bank has reversed it, and I still see the charge posted on my bank account. I have reached out to the dispute department of my bank serval times, and I was told there is nothing they can do since I closed the dispute. 

Thank you so much for your assistance with this matter.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (PA)

I have been in USA two times as XXXX XXXX  ( XXXX XXXX and XXXX XXXX   ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XXXX XXXX.The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip I opened a Wells Fargo checking account and close it right before I left a country at XXXX XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to Wells Fargo bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in Unites States till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX/XXXX/XXXX  and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about USA. So, this complain is about WFFNATBANK account which was open ( according to credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ .I have never apply for WFFNATBAN credit card/never received. credit cards. I physically lived in XXXXit 's no way for me to used this card
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION (OR)

I have made 6 ontime payments with oportun and my payments are not paying the loan balance off. This company is in violation of the state of Oregons predatory lending laws. When I try and communicate with the company I get someone who barley understands english and can not explain or help me. this has created a situation where it doesnt seem that the loan will ever be paid off and I can not afford to pay {$230.00} a month for the rest of my life. I currently reside in Oregon.
Consumer complaint received 2020-11-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

I received a notification that my credit score had dramatically dropped. I have not had any new loans and all my loans are in forbearance and at zero percent interest due to covid. I have even paid off two student loans during this year. There was a new balance of {$1600.00} applied and showed on my XXXX report and when I called them on XX/XX/2020 and spoke to XXXX at XXXX they had no record of it. I have the phone call recorded as well. They have nobody I can speak with over the phone and I have to mail in a dispute for a reporting error they did that greatly affects my credit score. I know there are many lawsuits against them. This is a racket. It is absolutely insane to me that the government guarantees these loans with no real oversight of the companies and their predatory practices.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Additional complaint against Bank of America Loan went into forebeafance and then deferment due to covid-19. 

Bank of America called and mailed correspondence specifically stating that payment would resume at same amount post deferment and interest & Escrow would remain in a separate interest free account until Loan is satisfied or home is sold. 

This was reiterated verbally as recently as XX/XX/2020 and prior to that in mail and over the phone. 

Then in XXXX monthly payment was increased {$26.00} a month to re-pay escrow deferment and I was told foreclose and loan delinquencies would occur if extra {$26.00} was not paid for remainder of loan!
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX XXXX  Self Inc, have violated my rights. 

15 USC 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 ( n ) account without 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 2023-03-14
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: Torres Credit Services, Inc. (IL)

15 usc 1681 section 602 state i have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer on cant furnish an account without my written permission. 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late purposes. In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

The company recently changed the way that they calculate credit scores. During this period i refinanced my equity line, keeping the same amount but lowered my payment by about $ XXXX/mo. My first mortage lender ( XXXX ) went bankrupt. My first mortgage was taken over by another lender XXXX XXXX. They use a servicing company called XXXX XXXX XXXX credit score drops by more than 80 pts. and a comment on my credit report appears saying that my real estate loans are too high, and that my credit useage is 74 %. 
Experian has no idea of the value of the house securing the loans, and they are lumping my secured line of credit mortgage with unsecured credit cards. As a result, my credit score is XXXX points less than that of other credit reporting bureaus. When i contacted them, i was told that i could not challenge their scoring. How can they say real estate loans are too high, when they have no knowledge of the asset value? When asked about the difference credit scoring with the same information, they had no answer. 


















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Consumer complaint received 2022-12-14
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)

In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681.. 

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 
Has violated my rights.. 
15 u.s.c. 1681 section 602 A. State i have the right to privacy.

15 u.s.c. 1681 section 604 A. section 2 : it also state a consumer reporting agency can not furnish a 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 item of information any other adverse item of information / other than records of conviction of crimes witch antedates the report by more than XXXX XXXX 
15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-24
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: JPMORGAN CHASE & CO. (CA)

I applied for the Chase Sapphire Preferred credit card on XX/XX/2018. Prior to applying for the Chase Sapphire Preferred credit card, I thoroughly read through the terms and conditions of the offer within my JP Morgan Chase portal. I also received many email communications with a personalized offer. I have attached the email I received as well as my view of the application portal to this secure message for your reference. Based on the email communication and the offer in my JP Morgan Chase online portal, I applied for the Chase Sapphire Preferred card with the understanding that the offer included XXXX bonus points and {$0.00} intro annual fee for the first year, after that {$95.00}. My decision to apply for the card was heavily based on these factors. All the information presented to me through personalized emails and at the time of application included the XXXX bonus points and {$0.00} introductory annual fee for the first year. Additionally, I called JP Morgan Chase customer service prior to submitting my application to confirm the conditions of my offer, and I was assured that I qualified for the XXXX bonus points and {$0.00} intro annual fee offer. 

I was surprised to see a charge of {$95.00} for the annual membership fee posted to my account on XX/XX/2018. Assuming that the charge was a mistake, I contacted JP Morgan Chase on two occasions via their customer service phone line and on two additional occasions via the JP Morgan Chase secure message center. The representative communicated to me that the offer I applied for did not include the annual fee waiver this contradicts the credit card offer presented to me as per the attached files. As a consumer, I made a decision to apply for the Chase Sapphire Preferred credit card based on the information provided to me by JP Morgan Chase. All of the credit card offers and materials distributed to me by JP Morgan Chase were incredibly misleading to a consumer. Had all of the relevant information been presented to me in a clear and concise manner, I would have a different decision as a consumer.