davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, and XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the rights 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
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

Experian is reporting 4 XXXX XXXX  collections # 's XXXX, XXXX, XXXX, and XXXX. That were all included in my Chapter XXXX Bankruptcy # XXXX. These are in violation and should not be reporting, and need to be removed off of my Experian credit file immediately.
Consumer complaint received 2018-12-05
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. (MO)

XXXX and Equifax continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Acct # XXXX XXXX Department Store Credit Card. I have had my XXXX card for years never missed a payment. Always been a great customer. XXXX recently closed my account. I was making a payment from a bank account I rarely use. The bank thought it was fraudulent activity so they refused to pay XXXX. Due to no fault of my own. And because of this XXXX closed my account. I did call and try to resolve this issue. I also made a payment as soon as I discovered what happened I made a over payment for over the amount owed. They still closed my account. I do not want any negative impact on my credit score for a closed account. I did what I was supposed to do. Please take care of this. And if I have to get a special note on my credit report that states XXXX was at fault. Then I am in agreement with that.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (KS)

On XX/XX/2022 I noticed on my credit report a collection account for the amount of {$390.00}. So I contacted the original creditor which was FOUR XXXX XXXX  P. as written in my credit report. I asked them why they sent it to collection without contacting me, she took all my info down and stated we haven't sent anything in your name to collection your insurance took care of the balance so I called DEBT RECOVERY SOLUTIONS and explained the situation and she just kept arguing with me I told her to call them and ask and she said no I don't want too. I my understanding false claims on credit report are illegal .I don't really know what to do.
Consumer complaint received 2018-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I have been paying my student loans to Navient at {$450.00} a month and when I approached the pay off date for my 2 of my 4 student loans ( XX/XX/XXXX ), Naviet claimed the loans were under reported and therefore I owed additional money. I paid the additional money and they issued new payment coupons. I received a payoff letter for the first 2 loans ( XX/XX/XXXX ). I continued to make payment per the payment coupons they issued and thought I paid off the remains 2 loans with the XX/XX/XXXX payment. However, I received a billing for additional money which they claim was again the result of under reporting for these loans. Even though they amended the payment coupons and issued new ones starting in XX/XX/XXXX.

When I call to question these errors all they do is send me listing of my last 50 payments which show I make my payment but do not explain or justify how I could owe additional money again to pay off these loans. How is it possible that they can not know the payoff amounts or accurately issue payment coupons. They expect me to accept their claim for additional money owed without any justification other than it was calculated in error.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is incorrectly reporting XXXX account XXXX on my credit report. The account is showing an updated/past due balance as of XX/XX/XXXX but is also reporting charged off as of XX/XX/XXXX. I've reached out to Experian for months in regards to this account incorrectly reporting and nothing has been verified, validated or corrected.
Consumer complaint received 2022-05-04
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: LEXISNEXIS (IL)

I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from LEXINEXIS for XXXX that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : XXXX & XXXX
Consumer complaint received 2022-05-04
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. (MS)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (VA)

XX/XX/2022 : Initiated a payment through the Lending Point app in order to process an additional Principal only payment for the amount of {$2000.00}. Called a representative to make sure that this additional payment was going towards principal only. The rep told me that they could not process it as principal only so I asked them to cancel the transaction and that I wouldn't make an additional payment if it would not be applied towards the principal. The representative told me that she wasn't able to do that and informed me to set up a stop payment with my bank. I set up a stop payment with my bank. The representative then without telling me voids the transaction. I call to set up a principal only transaction with a different representative who goes by Unique and " they have no idea what happened to the last transaction ''. They then inform me named that the rep prior did not know what she was talking about and admitted that this fee should not have been assessed. Their calls are recorded. 

XX/XX/2022 : I was assessed a {$30.00} stop payment fee. I call and send in an email providing documentation that the stop payment was assessed. They " submit a ticket '' in order to have this rectified. Silence for two weeks. I send a follow up email, radio silence. I follow up with additional phone calls, no response. Many " tickets '' have been created with no results. Only when I threatened to file a CFPB complaint did they want to start the refund process.
Consumer complaint received 2021-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

I opened my savings account with TD on XX/XX/XXXX in XXXX. had no issues till today XX/XX/XXXX when I realized a fee of {$4.00} was being taken out my account for each withdrawn/transfer to my checking account was made. of a total of XXXX charges since XXXX ( {$270.00} total ). So I called the TD banks line and I was told the fee was a government regulation, due to me transfer more than 6 times ( using electronic methods ) So I told she was wrong it was not a government regulation because I have a chase account and they don't charge, so she change her story, saying it was a TD bank rule that only allowed me to transfer 6 times a month without fee, putting more pressure on her, I learned that if I didn't want to pay any fee I had to go to a branch and used the ATM machine to transfer every time. So I went to the bank on XXXX XXXX and talked to a manager XXXX, I expressed my concerns with the fee and she told me it was on my contract, that I had signed for it when I first opened the account,. I told her I was never told of that ruled and it was not in my contract, I requested a copy of contract and she stepped out for XXXX minutes and came back with saying that the new rule was applied this year starting on XX/XX/XXXX. they said they sent a letter out to all savings costumer, which I did not received, she made to log into my online statement and pointed out it was written on top of my month statement ( in very lower caps, you can barely notice ) in the statement mentioned the fee but it did not mentioned that you could go to a branch and make the transfer without any fee using their branch ATM. She also showed a letter that was sent out to each client, which I never got it, the letter it is written in a large format, and you can read clearly, I believe they did not send to anyone that has a savings account with them that letter ( which does mention the no fee transfer at the branch ). I am looking to have the {$270.00} fee refunded
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield and associates place the collection on my credit report approximately XX/XX/XXXX I did not recognize this and sent them a letter stating that I was a victim of identity theft and I also reported it to the credit bureau which was XXXX XXXX and XXXX it was removed from my credit report due to identity theft and several weeks later it was placed on again I reported it again is identity theft and it was removed as of XX/XX/XXXX it is back on my credit report again reporting with a different account number after they know that this is identity theft and I am a victim of identity theft and I have sent them documentation stating that I am a victim of identity theft
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

I had a purchase through Chime debit card that turned out to be a fake website with no working email and no support contact. I reported to Chime right away that my card had been used for a fraudulent transaction. They took absolutely no action to secure my account, so after many ignored chat messages to their customer service, I finally closed my account. Then, because I transferred my money to a secure bank, and thought I had overdraft protection ( evidently just card transactions ). My ACH debit was returned and I had to pay a {$40.00} fee because Chime is too incompetent to issue a new card in a fraud case.
Consumer complaint received 2018-12-05
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: Medical Data Systems, Inc. (NV)

XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS , INC . Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS , INC . was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : XXXX a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i have two credit cards with capital one ive been with them for years over 10. everything was fine for years then all of a sudden cap one change my due date then always changing my bill amount making me deliquent and always saying im one day late charging me late fee every month but i send my payment in on time and every month and im always a day late they say processsing time is the reason but i sent it 5 days early every time all my other credit card are on time no issues same process 5 days early please help me can you call me i think i can explain better whats going im being over charged by cap one call me please XXXX i can explain whats going on more clearly
Consumer complaint received 2019-10-22
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. (FL)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-12-09
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: JPMORGAN CHASE & CO. (ID)

On XX/XX/2021, due to a massive last-minute airline-perpetrated disruption of my flight that was beyond my control, I cancelled the flight to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX , booked with my Chase Sapphire XXXX XXXX XXXX Upon calling the credit card company, I was advised to file a claim in order to receive a refund for the nonrefundable expenses associated with this trip -- one of the purported benefits of this card. 

I filed Claim # XXXX with eclaimsline.com ( as instructed by Chase ) on XX/XX/XXXX. I submitted appropriate documentation of the nonrefundable expenses I was seeking reimbursement for and updated my case when I received a refund from the airline and the rental car company. My stay at the XXXX XXXX XXXX, however, remains nonrefundable and I continue to seek reimbursement for this. I submitted an email from the XXXX XXXX XXXX confirming both my same-day cancellation and their policy regarding this cancellation, indicating that I would be billed for the entirety of my stay. Weeks dragged on, and I have received numerous emails from the XXXX XXXX XXXX XXXX citing insufficient documentation of this nonrefundable expense. I resubmitted the XXXX XXXX XXXX, originally sent as an attachment with the original claim, by forwarding it to XXXX. 

Although this email -- an acceptable format for documentation, according to the XXXX XXXX XXXX XXXX -- conveys all the required information, they continue to insist it does not and I find myself in a perpetual stalemate with them. I can only conclude, in light of this, that either no one handling this claim is literate, or -- more likely -- they are rendering this process unnecessarily antagonistic and user-hostile so as to avoid paying out this claim for a nonrefundable travel expense Chase purports to offer reimbursement for to its Chase Sapphire XXXX XXXX XXXX 

In light of this unacceptable customer service ( and a slew of other ordeals involving this credit card ), I have subsequently closed the account, but I continue to seek reimbursement for my cancelled stay at the XXXX XXXX XXXX in the amount of {$980.00}, booked with my Chase Sapphire XXXX card. I can supply the same unequivocal documentation supporting this claim to you as I did to the XXXX XXXX Claims XXXX. 

Thank you, XXXX
Consumer complaint received 2022-05-04
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. (WA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.