davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WI)

Someone in my home stole my debit card and used it for ATM withdrawals and in store purchases between XX/XX/XXXX and XX/XX/2022. I filed a claim and they refunded the in store purchases, but they denied my claim for the ATM withdrawals. 

They say it was because my PIN was used and obviously whomever took my card had my PIN. I told them at the time I was not the one who did the transactions. They stated a police report was not necessary to file my claim but then they denied my claim for the ATM withdrawals and are now requiring a police report which I did file. The wait for a copy of a police report is 6-8 weeks which will take me outside my 60 days to dispute the charges. 

I dont see how they can refund my in store purchases which also had a PIN used but deny the ATM transactions in which my PIN was used as well.
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AutoNation Enterprises Incorporated (TX)

CIG willfully and criminally failed to respond to a debt validation letter that I sent on XX/XX/2022. Which violated the law pursuant to15 U.S. Code 1611- Criminal liability for willful and knowing violation.

Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

CIG is also in violation pursuant to 15 USC 1692g ( b ) which states, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. CIG has tried on multiple occasions to collect the alleged debt and have not sent me a verification of the debt. Attachments are below.

CIG is in violation of 15 USC 1611 which states criminal liability for willful and knowing violation. CIG has failed to provide information they are required to disclose under provisions of this subchapter.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

Re-multiple complaints to Chase Bank Claims Department For Two XXXX transactions on XXXX XXXX for {$2000.00} and another on XXXX XXXX for $ 2,000Case stated on these dates that these transactions were cancelled due to y previous account history. Great. However. I have been pleading with them to place my money back into my account. I never authorized these transactions. I made a police report. With XXXX county Sheriffs Department. This was fraudulent. Im XXXX  and XXXX it took me a very long time to save these monies. Please help. There is much more Scam information I can provide upon your request. Thank you
Consumer complaint received 2018-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

My husband was scammed out of {$65000.00} from our Wells Fargo account in XXXX, CA on XX/XX/2018. Two wires ( both domestic and international ) and {$10000.00} in cash was taken from the account on that day and we received no security alerts from Wells Fargo that there was unusual activity in those accounts. We were able to stop one international wire for {$35000.00} the following day but filed a complaint with Wells Fargo fraud unit to recover our {$20000.00} domestic wire and the {$10000.00} that was withdrawn from two accounts that was unauthorized. We have contacted and met with branch manager XXXX XXXX  who authorized the transactions who has declared there is " nothing they can do '' to recover our money. The {$20000.00} wire was sent to a XXXX XXXX XXXX  account payable to XXXX XXXX XXXX XXXX XXXX  GA. The {$10000.00} was spent on XXXX XXXX  cards that were immediately cashed out upon receipt.
Consumer complaint received 2022-04-04
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. (CA)

Utility company XXXX XXXX charged off a utility account under my name and social in XX/XX/XXXX in the amount of {XXXX}. The account was opened in XX/XX/XXXX. I live in California and have never lived in Texas. 
The account is listed on Experian and XXXX credit reports but may be listed in XXXX as well. 
I disputed the account as " not mine '' with Experian in XX/XX/XXXX but the account was just updated to " disputed '' but not deleted. 
I called Experian who advised that it appears to be fraud and I place a Fraud Alert on all three credit bureaus.
Consumer complaint received 2022-04-04
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. (PA)

I filed complaint XXXX with CFPB. Experian responded that they would investigate. They did not all they did was send me an email with a link to dispute inaccurate, outdated personal information. This is not a dispute. I have never had 11 addresses. So much of the information is wrong I should not have to DISPUTE my personal information.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lennar Financial Services, LLC (NC)

The senior loan officer at Lennar Mortgage was scheduled to meet with me to discuss the specifics of my mortgage loan. However, instead of fulfilling this obligation, the senior officer submitted an inquiry to the Bureau without obtaining my authorization. Upon reviewing my credit report, I discovered that Lennar had conducted a hard inquiry without my consent.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

On XX/XX/2023 I sent a letter to the 3 consumer reporting agencies ( XXXX, Equifax, XXXX ) to remove the bankruptcy that is on my credit report because it is reporting inaccurate information. 

They responded my saying it is verified. 

Equifax said it was verified through XXXX XXXX. 

As a CONSUMER I have the RIGHT to privacy. 

15 USC 1681-CONGRESSIONAL FINDINGS ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b- Permissible Purpose of Consumer Reports I did not give them any instruction in writing to furnish this information. So if I didnt give any written instruction, why did they put this on my credit report.

15 USC 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

Also if XXXX, Equifax, XXXX, XXXX XXXX have the reference/case number wrong. I have the right to 100 % accuracy reporting. 

Case number : XXXX XXXX : XXXX EQUIFAX : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  account # ( XXXX creditor. ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 2022-04-04
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  account # ( XXXX creditor. ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$15000.00}.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

In XXXX of 2022, Convergent Outsourcing agreed to delete all the information regarding my Account # XXXX and request removal from the three credit bureaus. I then paid the settlement in two payments of XXXX $ totaling the full settlement of XXXX XXXX 

However, Convergent Outsourcing is now claiming that they don't have the authority to delete this account and request removal from the three credit bureaus, because it is not allowed by the original creditor. 

I am fully aware that this was a deceptive practice by Convergent Outsourcing to collect the debt. Furthermore, as the data furnisher they do have the authority to alter and remove the information provided to the credit bureaus. This company has violated my rights under The Fair Debt Collections Act.
Consumer complaint received 2023-06-13
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. (NC)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2022-04-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-16
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: CITIBANK, N.A. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-04-04
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. (KS)

It has been 270 days of me going back in fourth with Experian on items on my credit report that are reporting falsely. And this has been a huge problem on both my credit score and my XXXX XXXX I know Experian has taken on the role of being the authority company on everything financial. And they are failing to accurately perform their job, which is seriously hurting me. Their job is to report accurate information, and they have failed me on that. Further more when i send in a investigation request they completely ignore my concerns and keep me left in the dark on their investigation. They never provided me with their sources on how they are verifying the information either. They just continue to report this stuff. I know for a fact they haven't investigated it because the info is WRONG. They are violating me and they are doing so knowingly and willingly. Whatever system they use to investigate is failing the consumers and American people. They have a huge responsibility here and it doesn't seem like they care at all.
Consumer complaint received 2020-02-03
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. (GA)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2019-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am sick and tired of Experian marking my complaints here as duplicates! They marked complaint # XXXX-XXXX as duplicate, citing complaint XXXX-XXXX from XXXX, which they ALSO DID NOTHING!!! If you all keep this up, I will be looking into legal means and sue for every ILLEGAL REPORT in my credit file. Your practices are ILLEGAL. You are NOT supposed to ignore disputes! Please tell me how an account concurrently reporting POSITIVE AND NEGATIVE FOR THE SAME MONTHS gets ignored!! I KEEP HAVING TO FILE COMPLAINTS HERE BECAUSE SOME XXXX AT YOUR COMPANY KEEP MARKING MY COMPLAINTS AS DUPLICATES!!!
Consumer complaint received 2020-12-18
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC. (FL)

In XXXX, I attended XXXXXXXX XXXX  ( formerly XXXX XXXX XXXX ) in XXXX, Fl. I was informed by someone in admissions that I could not take out a Federal student loan with XXXX XXXX ( now Navient ) because I have exhausted all possible funds and had to apply for a Private student loan through XXXX XXXX. I thought it was odd considering, at the time, I only had about $ XXXX - XXXX in current Federal student loan debt from my XXXX degree in XXXX. But I complied, because I wouldn't have been admitted if I hadn't. I took out a {$10000.00} private loan. Since graduating, I've had a mix of difficult times and going back to school. So the loan has been put on deferment and forbearance along with late payments up until XXXX. In that time, my {$10000.00} loan skyrocketed to {$30000.00}. I have been making good on ALL payments to Navient since XXXX. In 6 years of good payments, the {$30000.00} has been paid down only about {$5000.00} and is now at {$25000.00}. I've been paying mostly interest for 6 years and not expected to pay off the loan until XX/XX/XXXX! 
When I spoke to the complaint dept at Navient, they confirmed that I should have been able to take out a Federal student loan back in XXXX.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (TX)

I received a phone called from a third party phone number XXXX-XXXX-XXXX who told me to hold someone want to talk speak with me it ... .. it was debt collector attempting to collect a debt from JCPenny which I was told if I did not pay the amount in full I would be arrested.. however this debt collector is not authorized to collect debts in the State of Texas..The person on the other end of the phone was speaking so fast I could not get the completed name of the third party company that was use by this particular collection agency.. I told the them I was going to report to the FTC.. because I consider this harrassament. The person at the said number ask to be reported to the FTC so I am..
Consumer complaint received 2022-04-04
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. (PA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 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 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /XXXX/ XXXX XXXX
Consumer complaint received 2019-06-12
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: BARCLAYS BANK DELAWARE (ID)

I qualified for a {$5000.00} limit Barclay 's Ring credit card with a 0.0 % APR on balance transfers until XX/XX/XXXX. I called customer service and transferred money from another credit card. Barclay 's told me I could only transfer {$4900.00} and that there is a {$98.00} fee ( 2 % ) per transfer. That was never mentioned in their advertising. I said ok. All of this happened on Friday XXXX XXXX. On Monday XXXX XX/XX/XXXX, I got a call from Barclays saying they needed to verify my identity before they could make the transfer. I answered all of their questions, and then they said that since my ID had not been verified on Friday, that they cancelled the transfer and that I would have to resubmit the transfer. They would transfer me to customer service and they would take care of it. They transferred my to customer service where they proceeded to tell me that the 0.0 % APR was no longer available to me .... this is a classic bait and switch by Barclays.. I did not take their other offers and hung up.