davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (WV)

This is not a duplicate. In accordance with the fair credit report act Everything on my credit report has to be 100 % accurate. The credit bureau stated my account was properly investigated but how is that possible if open date is inaccurate the last active date is inaccurate and the last reported date is not accurate this is grounds for removal they also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (NY)

Enhanced recovery company is reporting A collection on my credit report that is passed the statue of limitations in my state. I would like this collection to be deleted from my credit report from all three credit bureaus XXXX XXXX XXXX  has charged off the debt upon further research this account was transferred and I am no longer responsible for any debt to jpmcb card services. I would like XXXX XXXX XXXX To stop reporting this debt to the three credit Bureaus I would like for this charge off to be removed from my credit report of all three bureaus
Consumer complaint received 2018-11-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

When I request options for payment plans on the website, it offers me several options such as graduated repayment program, RPAY, etc ... my totals due double up and I would end up owing double of what I owe now. example If I have XXXX left to pay and request to change to new plan my new payment plan would be XXXX total owed and would be owing up until 2029. How is that helping me pay off my loan? I don't think this is fair and yes I am in a higher bracket income but I want to do the right thing and pay this off. How is this fair at all for those of us who worked so hard to get these degrees only to get ripped off and charged higher to request to pay off loans sooner.
Consumer complaint received 2021-07-12
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. (LA)

These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! 1. XXXX  XXXX XXXX  XXXX  2. XXXX XXXX XXXX  XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I went inside my nearby Chase Bank to cash some savings bonds. I went to the bank and was told i would receive XXXX $ in true amount they had matured into. On XX/XX/XXXXXX/XX/XXXX the DAY BEFORE XX/XX/XXXX WITHOUT WARNING OR PERMISSION took out XXXX XXXX After almost a month they just decided to take money out of my account and said it was an error on their part but offered no apology and said it was authorized. It wasnt. I was planning on using that money for rent and my basic needs and because of a mistake they made they were just allowed to take the money out?!?? They didnt even tell me or ask me but just did it right before the holidays. It ruined my XXXX!!! They take out overdraft fees as fast as they can when I make a mistake and wont give it back but when the bank makes one they can TAKE EVERY CENT FROM MY BANK ACCOUNT. 
Whats worse is that since they out my account in negative, an app of mine out money in to stop an overdraft fee but now I owe another company money because of what Chase did.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-26
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. (TX)

In accordance with the fair credit reporting act convenient XXXX XXXX bank 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions to do so.
Consumer complaint received 2019-01-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

I contacted BMW Financial Services about the late reporting on my credit report. The representative was nice, he let me know that the late is going to removed if I wrote in a letter explaining my situation and he did let me know that i do have the assistance on my file. He said he was going to help me. I ' am a disaster victim and I had the disaster assistance on my account. I had the late reporting with BMW on XX/XX/2018. After the investigation was over BMW Financial Services did nothing for me I called spoke to a supervisor her name was XXXX, She said they wont do anything, because they don't care about the circumstances that I was in. This is extremely upsetting and I'm very disappointed of the out come .I had to do what was safe for my family and evacuate from the situation.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act convenient XXXX XXXXXXXX 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions to do so.
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I C SYSTEM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$390.00} the collection has been reported past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-08-16
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-13
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2023-03-09
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (MI)

When I paid off ( Never late nor missed a payment ) closed this account on XX/XX/2021, I was told it would not affect my credit score which I had worked hard to achieve at XXXX, then after I checked my credit score with XXXX  Credit I saw that the company Synchrony Bank/Care Credit had noted that they the ( Grantor ) had closed my account and added that to my credit report, Which is " Untrue '' as I had requested my account be closed due to non use of their credit services, I feel this is a direct slap in my face being penalised for requesting this. Now how many other people have had this company do this to them without an explanation of reason ... 
So I will not delete this concern until this is resolved .... 
Now my credit score has dropped over XXXX as a result of Synchrony Banks " Misstatement '' of the facts and I want this corrected and an apology from this company ... Or reinstate my account with the original credit line.
Consumer complaint received 2018-07-12
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. (FL)

on XX/XX/2018 I purchased a set of eyelashes priced at {$45.00}, after I used my debit card to make transaction I realized that the company had included 2 add on products not requested to my transaction. I sent my first email right after I made the transaction and seeing the charges went up to {$81.00} at XXXX XXXX, after that I must have sent like 7 or more emails with no response. The company 's name is XXXX XXXX XXXX their customer service email is XXXX. I did my own investigation on their XXXX page and as I started to read some of the customer 's comments I saw a few people with the same situation. they were over charged for no reason with no refund. The company does not have a customer service phone #. My order # XXXX. my expectations are to get a refund and have company be investigated.
Consumer complaint received 2018-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-07-13
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. (WV)

This is not a duplicate. In accordance with the fair credit report act Everything on my credit report has to be XXXX XXXX accurate. The credit bureau stated my account was properly investigated but how is that possible if open date is inaccurate the last active date is inaccurate and the last reported date is not accurate this is grounds for removal they also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2018, XXXX XXXX XXXX deposited two checks in the amounts of {$670000.00} and {$82000.00} in the incorrect account at JP Morgan Chase located at XXXX XXXX in XXXX, NJ. The checks were made payable to XXXX XXXX XXXX Living XXXX. One came from an attorney trust account and the other from an escrow settlement account from a title company. The checks should have been have been deposited in XXXX XXXX trust account with XXXX XXXX. 

The teller accepted the checks and deposited them in the JP Morgan Chase account. ( See attachments. ) A letter dated XX/XX/2018, and received nearly a week later from JP Morgan Chase indicated that the account was blocked and will be closed ( see letter attached. ) In addition to not enabling XXXX XXXX to have access to the 2 checks that were erroneously deposited, JP Morgan Chase also pulled from the account and disabled access to {$33000.00}. Due to this action by the bank, two checks written against the account bounced. 

XXXX XXXX went to the bank and the manager of the branch contacted the home office and was told that we should open a trust account at JP Morgan or to contact the people who wrote the checks and have the checks recalled. 

XXXX XXXX contacted the bank ( see letter attached ) to ask that the funds be forwarded/transferred to them since the trust account where they should be deposited was held with them. JP Morgan Chase refused to do so and reiterated that XXXX would need to open a trust account with JP Morgan Chase. 

XXXX XXXX went back and forth with JP Morgan Chase numerous times. As of Wednesday, XX/XX/XXXX JP Morgan Chase indicated that they mailed back to XXXX a check for {$33000.00}, though that has not yet been received as of today, Friday, XX/XX/2018. At the same time, XXXX XXXX was forced to open up another trust account with incurred attorney fees in the amount of {$300.00} in order to get access to the two checks deposited in error. JP Morgan is transferring the amounts of the two checks -  {$670000.00} and {$82000.00} and allege that the money will be in the account by next Wednesday, XX/XX/2018. Additionally, the money will lose significant interest in JP Morgan as opposed to where it should be residing at XXXX XXXX and, when asked, the branch manager for JP Morgan in XXXX, NJ indicated that she did not know if or when well be able to pull the money out to put back into the account it should be in at XXXX XXXX.
Consumer complaint received 2022-07-26
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. (NC)

There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XX/XX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NC)

Sequim Asset Solutions just started reporting a {$920.00} collection on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute. I have since called this collection agency and requested a verification of debt, but they refuse to supply it.
Consumer complaint received 2018-11-23
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (CA)

This is a Unfair Deceptive or Abusive Acts and Practices ( UDAAP ) complaint against Key Bank. I had a checking account with a credit reserve account attached to it. I moved away from convenient branch locations and therefore attempted to close the account via written notice and phone calls. I called on 4 separate occasions throughout late XX/XX/XXXX and early XX/XX/XXXX to get it closed. Each time Key Bank personnel said they would handle it but it never got done. The last time ( early XX/XX/XXXX ) I was told that they would contact the branch of origination ( XXXX, WA ) and take care of it. Nothing happened - however they happily continued to charge fees to the account and overdraw it in the amount of {$310.00}. Now it shows up as a negative on my credit report. This is unacceptable - it was Key Bank 's error and I believe they deliberately kept the account open and charged fees against as a revenue generation tactic.