davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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. (FL)

I have sent my disputes multiple times out to the credit bureaus fighting this issue as off XXXX, XXXX and XX/XX/2022 its getting very serious because there starting to take points off due to me complaining to the CFPB AND Also ignoring my request. I told the credit bureaus to re '' investigate every piece of information '' on the accounts i have listed below. but they never did a full investigation. 
ACCOUNT : XXXX  XXXX XXXX According to the FRCA the term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account were verified and updated but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this accounts are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be Accurate.
Consumer complaint received 2022-05-06
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: Upstart Holdings, Inc. (AL)

In accordance with the fair credit Reporting Act XXXX Account # 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 : 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 any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent my disputes multiple times out to the credit bureaus fighting this issue as off XXXX, XXXX and XX/XX/2022 its getting very serious because there starting to take points off due to me complaining to the CFPB AND Also ignoring my request. I told the credit bureaus to re '' investigate every piece of information '' on the accounts i have listed below. but they never did a full investigation. 
ACCOUNT : XXXX  XXXX XXXX According to the FRCA the term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account were verified and updated but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this accounts are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be Accurate.
Consumer complaint received 2022-05-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( ACCOUNT NAME : 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 instruction.
Consumer complaint received 2022-05-06
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: JPMORGAN CHASE & CO. (NV)

Chase fraud department contacted ME and advised ME that THEY decided to shut down my account due to fraudulent charges being charged on my business account. They credited the funds back. 2 weeks later the charges were back. They concluded I used the card in person. Of course I did not. Charge history would show I fill my car up at the same gas station closest to my house for the last three years. However, After speaking with them and then following all directions including having to provide my cell phone location records to show evidence that I was not in the state of the time of purchase, Chase still decided I made the purchase in person. In the ongoing effort to get my money back Ive now realized that Chase is no longer trying to assist me but blame me and continue to remove the charges and then place the charges on my account again seemingly every pay period. So now every pay period Im calling begging to get my money back to pay my bills on time. This will be the last time I will stress out over not being able to pay my bills. 
Chase has decided no matter what I prove that I will be the loser here and that I will have to pay for someone else scamming me. No protection from the bank. 
Here are the fraudulent charges they refuse to credit back to me. 

XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Method - online, mail or phone Category- Gas
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I was trying to open account online i was unable so I was instructed to call or come in a branch well I dont currently live near a branch. So upon calling I had an old account back in 2016 I didnt have any activity as I was transitioning from XXXXXXXX XXXX  service .Everytime I call Im just told minimal information and not being full help I didnt have any negative activity I deserve to know why and how to correct this issue.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (FL)

I was booking a XXXX cruise. When I got to the payment page there was an option to apply for the Barclay Carnival credit card. I applied for the credit card and was approved for funds greater than the cost of the cruise that I was booking. After showing my approval, the page prompts to complete the booking. When I selected the complete booking option I get an error page with nonsense script. There is no option to complete the booking process with the credit card that was just opened. 
I did video the process. The process repeated when my husband tried doing the exact same process to open an account.
Consumer complaint received 2022-12-26
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. (NJ)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delation of the accounts listed IMMEDIATELY
Consumer complaint received 2018-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Good Afternoon, I am having trouble getting a feasible repayment plan for 4 of my private student loans through Navient. I had filed for bankruptcy in XX/XX/XXXX, however my loans were not discharged although I was, and still am, experiencing financial hardship. These particular loans are in default and were sent to XXXX  XXXX by Navient for collection. I had tried to set up a repayment plan with Navient back in XX/XX/XXXXand the only options given were very unreasonable! Who can afford to pay $ XXXX $ XXXX/month. I offered to pay $ XXXX/month until I was financially stable enough to pay more. That was denied and the Navient customer service representative YELLED at me and very rudely told me that that would be my only option unless I put at least {$1000.00} down first to then be able to apply for a repayment plan. I told him I could not afford to do that, but could definitely do the $ XXXX/month. After he told me once more that they would not accept that amount. I told him I really didn't have anything more to give. He told me my loans would then be in default. Since then, I have been paying $ XXXX/month to XXXX XXXX ( not a lot, I know, but I also pay Navient about $ XXXX/month for two other loans ). I called Navient, who then transferred me to XXXX XXXX yesterday, and the only options given for repayment were to settle the loan for roughly {$21000.00}, which I can not do, or put down 10 % of the loan ( {$8300.00} ) to qualify for their repayment option of $ XXXX/month. I am just stuck and am really trying to work on my credit and get some of these loans paid down. I currently owe Navient {$180000.00}, which is mostly just the interest. I just need a reasonable repayment plan and someone to just work with me! I can barely afford to support myself and daughter and all of these loans spiraled out of control over the years. I would love to be able to go back to school to finish my degree, but am unable to affrod to pay out of pocket and clearly can not get another loan to do so. please help!
Consumer complaint received 2018-06-19
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)

Received a response from Equifax from my previous complaint # XXXXon XX/XX/XXXX with CFPB stating that the following items would be deleted : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Their response shows that it was deleted from credit file on XX/XX/XXXX. The items still appear on my credit report XX/XX/XXXX and I have not received the updated report they stated they would send and I cant access their website to download disputes. They also stated the results of this dispute was mailed on XX/XX/XXXX XXXX
Consumer complaint received 2015-09-26
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc (TX)

AD ASTRA is containing to report a fraudulent account to my XXXX credit report. I have letters and documentation stating that the account is not mine and that they would be removing it from all XXXX bureaus. They had removed it at one point, but have recently pout it back on. This is breaking the law in so many wat=ys. Once an account is removed it can not be put back.
Consumer complaint received 2022-05-06
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)

I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

On XX/XX/XXXX I applied to consolidate my XXXX loans with the US dept of education at studentaid.gov. My XXXX loans were held by XXXX and I selected Aidvantage as the new servicer. I have called Aidvantage multiple times since XXXX and also again on XXXX, XX/XX/XXXX, and XX/XX/XXXX to ascertain the status of my consolidation. Each time I was told they are still waiting on my loan information from XXXX. I also called navient multiple times and they confirmed in writing that they provided my loan information to Aidvantage on XX/XX/XXXX, XXXX month ago. Aidvantage reps have give me inaccurate, incorrect, and most importantly, conflicting information every time i have called. I was told on XXXX they would request a review of my application and it would be processed within 10 days. It has now been almost 50 days since I applied to consolidate my loans with the dept of Ed and Aidvantage has been giving me different information regarding the status of my application every time I call. In fact, when I point out they are giving me incorrect information, they look at their records and apologize for misspeaking. I have escalated my inquiry to supervisors twice and I am still getting conflicting information and my application has still not been processed. I have been unable to speak with anyone with the ability to actually process my application. I applied before the XX/XX/XXXX deadline to qualify for loan forgiveness and if there is an injunction forthcoming at any upcoming trial which halts loan forgiveness, I will not be granted forgiveness due to Aidvantages lack of action and I will suffer damages which I intend to recoup.
Consumer complaint received 2022-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank has failed to mark negative tradelines that they are reporting to all three credit bureaus as " Disputed '' within 31 days of them receiving my formal disputes regarding their inaccurate reporting on my credit reports via certified mail. 

I have receipts with tracking numbers proving that they received my certified mail enclosing my disputes. As well as copies of my credit reports, that shows they did not mark the accounts as disputed. They have failed to do what is prescribed by law. I also have credit monitoring in place that alerts me to comments, changes, etc. If Comenity Bank does not remove the items being negatively reported under my social security number I will use all legal remedies afforded to me per FCRA & FDCPA. 

FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ) requires that ANY TIME a consumer contacts an entity questioning a line item that they placed on their credit report, they are required to contact the credit bureaus on the consumer 's behalf, and add a sentence to their credit report WITHIN 30 CALENDAR DAYS that says the consumer has disputed the negative item in question.

In my case, Comenity Bank has failed to follow the law spelled out above, they are currently reporting two negative tradelines to all three credit bureaus under my social security number, and they did not follow the steps prescribed by law.
Consumer complaint received 2018-06-19
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. (CT)

This XXXX XXXX  XXXX account is fraudulent it was removed from my credit report by the creditor, and XXXX  has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status Late
Consumer complaint received 2022-05-06
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. (VA)

I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed
Consumer complaint received 2021-11-06
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

My primary residence mortgage account was transferred from XXXX to Freedom Mortgage in XXXX of 2022. Based on my previous experience with Amerihome and statements received from both XXXX and Freedom Mortgage, I believe I am overpaying for escrow. Despite multiple requests over the past several months, Freedom Mortgage has refused to complete an analysis of my escrow account and continues to send me outdated/old analysis from XXXX. I know my insurance rate is different from what it was a year ago. They told me they would have a new escrow analysis for me within 60 days of the transfer but that has not happened and it's now late XXXX.
Consumer complaint received 2022-10-18
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: CITIBANK, N.A. (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15usc 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,
Consumer complaint received 2021-03-08
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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (GA)

XXXX id number Im sending more information on this account..XXXX  send me a Dispute update on this account which was reported XXXX information in the historical account Section is in accurate and false information..I asked them to send me contracts between me and his company also the payments amount in the balance and date of last payment is faults.. I want this account removed from my report, This false information is hurting me from buying a home.