davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 my Chase debit card had an un authorized transaction in the amount of XXXX, which I reported that same day that it happened. I told my bank that I work In XXXX XXXX and that I had been in XXXX XXXX all day that day, The transaction took place in XXXX XXXX. They told me that after they did there fraud analysis that it did not seem like fraud to them, so I appealed there decision. I gave them proof that I work in XXXX XXXX as well as game them my HR phone number, and i even included a pay statement showing that I worked my full 40 hours that week. They has me call the vendor were the unauthorized transaction was made, the vendor told me my bank has to deal with it not them. Then I went and filed a police report since I do not know what else to do, since I was no where near XXXX XXXX that day and I should not have to loose my money.
Consumer complaint received 2018-11-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes XX/XX/XXXX, as of today Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX XXXX  XXXX  XXXX not mine XXXX XXXX  XXXX XXXX never late INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (MT)

I went through Ameritech Financial to pay off my student loans and to receive a debt forgiveness. They have been taking a XXXX $ payment each month from my checking account for the past 4 years. I was only suppose to pay for 2 years. Now I have a loan company called XXXX XXXX who reported me to collections because I haven't paid my loan. I have no idea where my money went for the past 4 years and what's going on.
Consumer complaint received 2023-03-23
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. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (VA)

On XX/XX/2022, opened an account after being referred by friend using this link : XXXX XXXX XXXX which was said to be eligible for a {$500.00} bonus for the person being referred and to the person providing the referral. In accordance with the terms, which stipulated a direct deposit of {$200.00} and {$100.00} spend using the Albert debit card every 30 days for three months, all terms were met by me. On XX/XX/2022, I sent customer support an inquiry asking when the {$500.00} bonus would be paid as all term conditions had been met. On XX/XX/2022, I received a response to inquiry from customer support with the excuse that they could not find any evidence of being referred. However, as evidenced by the referral link above and the screen shots submitted with this complaint, this is simply not true, and I am belief and suspicion that Albert is simply using the excuse as a reason to forego payment of {$500.00} bonus.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Certegy Holdings, LLC (AZ)

I wrote a check for XXXX at XXXX XXXX for groceries only to have the store DECLINE my check because of CERTEGY 's denial of my check ... ... ..i was given NO reason as to the decline of my check and upon trying to contact Certegy you could only get an automated response ... ... when i asked XXXX XXXX to contact my bank to verify the funds/check they REFUSED because they said they couldn't override Certgy 's denial ... ... .when i CALLED my bank to have them verify the check and funds the manager of XXXX XXXX REFUSED to take the call ... ... ... .i have ALWAYS prided myself on NEVER EVER have written a bad check and having an EXCELLENT credit rating ... .i have ALWAYS paid my bills on time and in FULL and that includes ALL credit card amounts ... .I just moved to AZ and purchased a {$520000.00} home WITH CASH, i have NO mortgage and only owe a little over XXXX on two loans ... ... .Certegy has YET to provide a reason to me for DENYING my check.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2019-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.
Consumer complaint received 2017-11-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northeast Recovery Solutions, LLC (VA)

I receive several calls a day from this collector. They are also contact my family members at work and on their cell phones phones after I have repeatedly asked them to stop but they have refused. They have also stated they are with the City of XXXX Court Systems and that I was being taken to small claims court. I have told them that I was dealing with a settlement company and they would need to contact them. They would n't let me speak kept cutting me off very rude and when I told the manager the ways I was being talked to and the lies I was told she told me that it could do it.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

DIVERSIFIED CONSULTANTS IN is reporting a collection on my account which has already been paid. Back in XXXX XXXX, DIVERSIFIED CONSULTANTS IN agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like DIVERSIFIED CONSULTANTS IN to remove this account from my credit file.Please assist in getting it removed my report.
Consumer complaint received 2017-11-13
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)

XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE Inquiry Date XXXX, XXXX XXXX. XXXX MORTGAGE via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX CO XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. 
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX  as their credit card service. However, Portfolio Recovery has XXXX XXXX XXXX  listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX   XXXX XXXX as an original creditor. Portfolio Recovery is also currently reporting to all 3 credit bureaus using XXXX   XXXX XXXX as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX  is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX. 

The debt through XXXX XXXX XXXX is not my debt. 

Furthermore, it should be noted that the original amount of the debt was {$450.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating the original company was XXXX XXXX. 

It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages portfolio Recovery to practice practice accuracy.
Consumer complaint received 2017-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a dispute letter to transunion on XXXX XXXX, XXXX, tracking number # XXXX in regards to a few accounts on my report that are inaccurate. They received it on XXXX XXXX, XXXX. Transunion failed to verify the accounts with adequate proof, with my signature, that these accounts belong to me within the 30 day time frame. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, Transunion was unable to provide me with a copy of the verifiable proof that they have on file for the accounts listed within 30 days of receipt of my letter, and they must remove these accounts from my credit report.
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CURO Intermediate Holdings (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-03-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX 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 2022-07-12
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: CITIZENS FINANCIAL GROUP, INC. (MA)

I have been a co applicant on my home equity aka mortgage for the last 20 years and it does not show up on my credit report and never has and it has negatively affected my credit all these years. The primary person has it show up on his credit report and I notified the bank to no avail.
Consumer complaint received 2022-07-12
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-12
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. (MI)

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining Inaccurate Personal Information. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any item listed below. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX
Consumer complaint received 2022-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

Sent money for a pet, individual insisted I send more. Told them no and called USAA and XXXX. XXXX told me they wont take the scammers account down even after verifying it was a scammer, and USAA won't refund me anything. I lost a total of {$1000.00} dollars that I need to pay bills and feed my children.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

I ended XXXX  school in 2003 with approximately 80,000 in debt. I have been paying most of the years since with few exceptions. My debt is now XXXX Since I was a XXXX XXXX since 2003, I applied unsuccessfully for the Public Service Forgiveness program, learning that I needed to first consolidate. It was not made clear to me that my previous years in public service would not count. Additionally, I qualified for Income-Based Repayment prior to consolidation, thinking my loans would be forgiven after 25 years. Again, it was not made clear to me that my timeline would reset upon consolidation. I am so frustrated with Navient, can not make sense of how my payments have been applied, and I overall believe the company to greatly lack transparency in their loan practices. Further, it seems the Dept. of Education must make clear what happens with consolidation. I need relief of this debt! I even left my job teaching literacy and writing in higher education because I thought I would be able to count my years of service toward loan forgiveness.
Consumer complaint received 2022-07-12
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. (GA)

First and foremost, these accounts are hindering me from obtaining my veteran home loan because it appears I still owe the government, when in fact, I dont. I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX balance. The accounts are CLOSED, and they are PAID OFF, and they have a XXXX balance. So how I can be 120 days late under those circumstances. Furthermore, how can I be 120 days late, if I was never 30, 60, and 90 days late, which is clearly shown in the two year payment history section of my credit report. And in response to my last dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting clear and factual inaccurate information. Surely this is grounds for removal. Even more, i feel my rights have been violated under 15 U.S.C 1681s-2 ( A ) ( 1 ) which states : 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. And I have proven that. I've attached clear and undisputable proof to back up my claim.
Consumer complaint received 2022-08-15
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. (PA)

I contacted Equifax to advise them of unauthorized inquiries on my account. I disputed t he inquiries over the phone and received no resolution from Equifax. 

The inquires are : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX