davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (OH)

in accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE
Consumer complaint received 2019-09-12
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. (MI)

On XX/XX/XXXX i mailed Experian a certified letter Informing them that a account i disputed and had recent resolved on XX/XX/XXXX still has incorrect information. That account is XXXX XXXX-account # XXXX. On XX/XX/XXXX XXXX XXXX informed Experian as well as the other credit bureaus that this account was paid as agreed/satisfactory. Once Experian updated my account i noticed that it still had incorrect information. I tried disputing the incorrect information but Experian did not fix it and also called them multiple times only to be lied to and passed around to many customer service reps without getting any corrections. 
I attched a copy my credit report that i pulled on XX/XX/XXXX from XXXX. 
you will notice the incorrect information as followed Experian has my XXXX XXXX account listed as paid/satisfactory but also has it listed as charged off/ derogatory .... this can not be possible as this account is paid. 
Experian also has four dates - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX..all listed as 90 days late, which is totally impossible for all the dates to be 90 days late. 
Experian also has the same dates XX/XX/XXXX and XX/XX/XXXX listed as not reported.. while have the dates XX/XX/XXXX and XX/XX/XXXX listed as charged off ... 
Experian needs to remove all the negative marks from my account and credit report
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NV)

Chase bank has charged me over five insufficient charges. At {$34.00}. My balance is over {$270.00} Negative. Its not necessary to keep charging ever little thing. One didnt know came thought by mistake its XXXX. I received a {$34.00} charge from chase. XXXX XXXX. Aka XXXX online service. 
Its too many. Fee
Consumer complaint received 2023-03-10
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. (NV)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-08-01
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)

I have advised Equifax on several occasions that I was never late on my XXXX XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX account opened in XX/XX/XXXX, the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX and the Chapter XXXX Bankruptcy filed XX/XX/XXXX is not mine this information is inaccurate and may be a result in identity theft. I have provided proof to Equifax that this information is inaccurate. Equifax has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from my credit file.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with US Bank under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (PA)

I purchased this card last year. I used the card several times. ( A list activation is below along with the transactions that I did make. **see the ending balance of $ XXXX Date Category Amount Running Balance Merchant Details XX/XX/XXXX Value Load -- Activation {$200.00} {$200.00} XXXX XXXX XXXX XXXX, XXXX, US XX/XX/XXXX Purchase Original Sale - {$21.00} {$170.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX US XX/XX/XXXX Purchase Original Sale - {$16.00} {$160.00} XXXX XXXX XXXX XXXX, XXXX XXXX, US XX/XX/XXXX Purchase Original Sale - {$37.00} {$120.00} XXXX XXXX XXXX XXXX , XXXX XXXX , US XX/XX/XXXX Purchase Original Sale - {$67.00} {$57.00} XXXX XXXX XXXX , XXXX , US XX/XX/XXXX Purchase Original Sale - {$13.00} {$43.00} XXXX XXXX XXXX XXXX , XXXX , US Someone had fraudulently used the card to purchase the transactions below on XXXX ( not by myself or any family member ) I have also contacted XXXX and they confirmed the purchases were NOT made by me or my family. 
XX/XX/XXXX Purchase Original Sale - {$30.00} {$13.00} XXXX, XXXX, US XX/XX/XXXX Purchase Original Sale - {$13.00} {$0.00} XXXX XXXX, XXXX, US I sent Blackhawk Network every piece of documentation that they requested. Which was a copy of the card front and back, a copy of the affidavit disputing the charges. A copy of the activation of the card. I even confirmed through customer service that they received this information. I even sent them the email from XXXX where they told me the purchases were not made by me. I attempted to get XXXX to reimburse me the charges and charge it back to the person that committed fraud. 

I then received an email yesterday that told me that I did not send them the required documentation and the purchase receipt for the card. I assure you ( and have proof that I sent this information to them ) They NEVER told me I had to provide a receipt. I purchased the card last year, who keeps receipts from a year ago? How would I know all the transactions and be able to confirm where I shopped if I was not the purchaser of the card? NOW they refuse to respond to me, and additionally when I call their customer service XXXX they have a message where they will not speak with me. The company is Blackhawk Network Holdings , Inc. the website to view the card which is XXXX. They have removed everything related to my card on line and refuse to speak to me by phone. 
This is information from the dispute form. 

Mailing Address : Email : Fax Number : ATTN : Cardholder Dispute Services XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX
Consumer complaint received 2019-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Hello, I been talking to Experian by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX   XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2019.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read XXXX   XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted then on XX/XX/XXXX, XXXX XXXX XXXX re inserted the account back on my credit report XXXX XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency Experian has investigated this matter twice and now the report comes back as verified or XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains please look into this matter as I spoke with reps of Experian as they tell me the can find anything that says this matter was deleted from my file
Consumer complaint received 2021-07-16
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. (TN)

My rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.
Consumer complaint received 2020-08-01
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: SUNCOAST CREDIT UNION (FL)

I am a victim of identity theft and fraud. I am not responsible for a suncoast credit union account nor a XXXX account and the account is fraudulent. Suncoast credit union, XXXX and XXXX, XXXX and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in XXXX hours I will take legal action. Its been over a year now.
Consumer complaint received 2020-08-01
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)

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, Equifax and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Consumer complaint received 2020-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hello Rep ; I was shocked when I reviewed my credit report and found that you're reporting a collection on my credit from an account that i never owned. I actually had sent an IdentityTheft affidavit in regards to this to the original creditor and it was removed. How come are you still reporting this now? It was originally from XXXX/XXXX, and i sent all the required paperwork that they had asked me. Please remove this collection from my credit once and for all. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (NV)

CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$430.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

My student load was recently transferred from Great Lakes to NelNet. 
The entire transition process has been a nightmare. But it has now just gotten absolutely worse. 
I have submitted several requests for assistance through their online form ( while logged into my account ). I have not received any responses ... until today. 
Today ( XX/XX/23 ) I received an email from someone named XXXX ( I am leaving out her last name to protect her confidentiallit ) - who, is another CU/STOMER of NelNet. / XXXX XX/XX/23 - Nelnet responded to one of MY requests, but sent the response to XXXX!!! The email string included ALL of my personal information, INCLUDING my Date of Birth and SOCIAL SECURITY NUMBER!! 
This is a clear violation of the Federal Debt Collection Practices Act ( FDCPA ), Florida Consumer Collection Practices Act ( FCCPA ), and countless other state and federal laws and regulations. 
I am completely at a loss here! I don't even know what to do now! I submitted XXXX different requests for assistance through their online form..this is the ONLY response to any of them. So did the other XXXX ALSO go to some other person? Do XXXX other people now also have my DOB AND SS!! I now have to LOCK all of my credit reports and monitor for Identity Theft! This was not some XXXX XXXX XXXX issue... this was clearly done by the company employees who have absolutely NO idea what they are doing!
Consumer complaint received 2018-12-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (CT)

In addition to my complaint on file XXXX, the town has responded via email. XXXX XXXX from the XXXX tax collector : " Good Morning XXXX, Per your request after our telephone conversation today, I am attaching all documents concerning the tax abatement and refund to the above tax account XXXX. 

This refund request will be submitted at the XX/XX/XXXX monthly City Council Meeting where it is most certainly will be approved. This will produce a physical refund check that will be mailed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

The check should be mailed out of our office approximately the last week of XXXX or first week of XXXX. 

As you can imagine, XXXX is a tax collection month which keeps our office very busy and refunds of abatements and overpayment 's follow. 

If you have any questions, please feel free to contact me. " On numerous phone calls I was advised by XXXX XXXX that their abatement department would be reaching out to the town of XXXX but to this date they have not made any efforts. In addition, not sure if this matters but the vehicle was returned on XX/XX/XXXX which I have receipt of from the dealer. Thank you.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I am a XXXX XXXX XXXX member and also have their XXXX XXXX credit card. XXXX advertises a product called the " XXXX XXXX '' which, after accruing enough points during a calendar year, allows for a travel to designate a XXXX who flies with them for free - it has significant monetary value. 

In early XX/XX/XXXX, I checked my account and noticed that I needed approximately XXXX additional points in order to requalify for the XXXX XXXX  in XXXX. I checked my XXXX credit card statement payment date with Chase ( the issuer of the XXXX XXXX card ) and saw that my next payment date was XX/XX/XXXX and that I would be being enough money such that it would translate into the additional points needed to qualify for the XXXX XXXX 

In XX/XX/XXXX, I checked my XXXX account and noticed that I did not qualify for the XXXX XXXX, so I called XXXX. I was told that although the credit card payment was made on XX/XX/XXXX, that my points " always post '' on the XXXX of the month and that it was my responsibility to understand this. 

My complaint is that this is an unfair and deceptive practice. From the customer 's vantage point, points are accrued when one flies ( i.e. the flight dates ) and when one pays their credit card - it is unreasonable to expect that the layperson would know that there is a material lag between payment and posting dates which, in this case ( and probably many others ), could result in failure to obtain a marketed benefit with material monetary value.
Consumer complaint received 2021-07-16
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: WAKEFIELD & ASSOCIATES, INC. (CA)

XX/XX/21 XXXX : XXXX service charge - XXXX XXXX XXXX Original Creditor - XXXX XXXX XXXX  ( Account XXXX ) Collection Agency - Wakefield & Associates ( W & A ) ( Account XXXX ) Have had major medical expenses over the past year and did not realize that a charge with XXXX XXXX XXXX  was unpaid until the following events : XX/XX/21 - Received alert via XXXX Credit Monitoring Service that W & A had flagged my account for collections on XX/XX/21. Credit score drops XXXX points. 

XX/XX/21 - I checked my balance with XXXX and see that I have a {$0.00} balance ( see attachment showing image of balance ) so I thought it was paid. I immediately submit an Experian dispute ( # XXXX ) on XX/XX/21 with statement and attachment showing XXXX balance with CEP/Vituity. 

XX/XX/21 - Response to dispute was received the same day w/ no mention or explanation of what happened. I was on vacation and by the time I saw the dispute was responded to, it was XX/XX/21. 

XX/XX/21 After not seeing any statement in response to my dispute, I immediately call W & A directly. They confirm it was for a service charge of {$460.00} that was never paid. After confirming this was true via my bank records, I pay via telephone to W & A ( requested that added service/interest charges be waived which W & A employee granted ). Attached picture of Discover card transaction history proves the charge was processed on that phone call XX/XX/21. 

XX/XX/21 Receive alert via XXXX  Credit Monitoring Service that W & A has again flagged my account for collections on XXXX. 

XX/XX/21 I submit a second dispute ( # XXXX ) via XXXX  explaining that I paid balance on XXXX. 

XX/XX/21 Response received via XXXX shows that balance still had not been paid as of XX/XX/21. No statement in response to my dispute was included. 

XX/XX/21 Credit Score drops by an additional 19 points. 

Both Experian dispute reports are attached. As well as proof of payment.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. Equifax, XXXX  and XXXX  are allowing these creditors to report incorrect information to my credit report.
Consumer complaint received 2018-09-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Account was in deferment but XXXX XXXX XXXX reported it past due and after reporting it past due changed the loan to current.