davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase called me with a wrong fraud alert. When I didn't recognize the ( wrong ) charge, they locked me out of my account, and when I called them hung up ... despite me waiting. 

They shouldn't have the right to lock me out w/o warning. They should at least try to reach me. I have a bunch of bills due this weekend & I will get more late fees if I can't enter my account in time. 

All of this because they raised a false alarm
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

after multiple phone calls with Experian customer service. they are still refusing to remove a closed accountant reporting a balance that's not mine. it's just so surprising how this third part companies can get away with reporting false inaccurate information on consumer profiles. and send fraudulent items back as verified. Experian will not remove a XXXX XXXX XXXX after a phone called i have prior to XXXX XXXX XXXX and verifying that this information has been updated with the credit bureaus. XXXX and XXXX did remove XXXX this account that do not belong to me. Experian is also refusing to remove a personal statement that i submitted on my credit profile as well. Experian disregard for federal laws and rights of consumers. Is unethical and illegal on so many different levels. and making profits of consumer my reporting false and negative information. you would think that accountant that's not yours would be easy to remove especially. when it's been updated by the original creditor. and the other two bureaus. i will be filing a federal complaint against this financial institute. and will be seeking damages for emotional distress. violations under the fair credit act as well. from my rights being violated.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to seek your assistance regarding a matter involving a recent violation of my rights under the Fair Credit Reporting Act ( FCRA ) by a creditor. As a loyal customer of XXXX XXXX, I value the relationship I have with the bank and wish to address this issue amicably with their cooperation. 

In accordance with the provisions outlined in the FCRA, specifically detailed in 15 USC 1681, the creditor in question has unfortunately disregarded certain fundamental rights granted to me as a consumer. The violations are as follows : 1. **15 USC 1681, Section 602 : Right to Privacy** - This section explicitly guarantees my right to privacy regarding personal and financial information. The actions taken by the creditor have, regrettably, infringed upon this fundamental right.

2. **15 USC 1681, Section 604a ( 2 ) : Consent Requirement for Furnishing Account Information** - Under this provision, it is stipulated that a consumer reporting agency can not furnish account information without my explicit written instructions. However, such instructions were not obtained by the creditor, leading to a violation of this requirement.

3. **15 USC 1666b : Prohibition Against Treating Timely Payments as Late** - This section prohibits creditors from treating timely payments on credit card accounts as late for any purpose. Despite my efforts to maintain timely payments, the creditor 's actions have inaccurately reflected otherwise, causing undue distress.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$440.00}
Consumer complaint received 2021-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am writing about FedLoan the Public Service Loan Forgiveness program management and my application for forgiveness. 

On XX/XX/XXXX FedLoan acknowledged that they received my most recent Employment Certification form, which includes proof of qualified employment since XXXX of XXXX. However, they did not update my account to reflect eligible payments between XXXX of XXXX and XXXX of XXXX ( there are 24 eligible payments missing : I'm at the same employer, making payments on the same plan, etc. ) On XX/XX/XXXX, FedLoan acknowledged that they received my PSLF application for forgiveness, which I submitted based on the belief that under TEPLSF I had made the 120 qualifying payments required. 

On XX/XX/XXXX, Fedloan rejected my application for PSLF/TEPSLF because I had not made enough qualifying payments. 

There are 21 payments " under manual review '' made between XXXX and XXXX. I was told that the data had to come from my previous loan servicer and they were still trying to connect with that company ( XXXX ). I obtained the relevant documentation from XXXX and submitted it to FedLoan.

FedLoan still has not updated my qualifying payment numbers in spite of the documentation I uploaded. 

Currently, their system shows that I've made 78 qualifying payments under TEPSLF. If they process and count the additional 45 eligible payments, my loans will qualify for forgiveness. I've called several times in the last four months and they acknowledge they've received my paperwork but always tell me they are processing it and I have to wait, without any information on when or how long it will take to process. 

I need a resolution, and my loans forgiven, before the moratorium on student loan payments ends in XXXX. 

Thank you.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I received a letter from McCarthy, Burgess & Wolff ( A Collection Agency ) dated XX/XX/18 stating that I owe the amount of {$1600.00} to XXXX XXXX. Well, I have NEVER had an account with XXXX XXXX. 

I tried calling the phone number on the letter ( XXXX ext. XXXX ) to reach a XXXX XXXX, but that number was for a completely different company ( XXXX XXXX, I think ). It was NOT the phone number for the collection agency. Obviously, something is very fishy. 

I just sent a letter to McCarthy, Burgess & Wolff explaining that I never had an account with XXXX or XXXX XXXX. 

The account number they gave me : XXXX Reference # : XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX XXXX  account : XXXX ( TOTAL XXXX  CREDIT CARD ) ( PLEASE UPDATE/REPORT THE CORRECT BALANCE! ) Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern ( TRANSUNION ) : PLEASE UPDATE MY CREDIT CARD REPORT DATE FOR THIS MONTH OF XXXX. THE OLD BALANCE OF XXXX IS STILL BEING REPORTED FOR MONTH OF XXXX. TODAY AS I'M WRITING THIS LETTER ITS IS XX/XX/XXXX. PLEASE UPDATE & CORRECT THE BALANCE to {$49.00} : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT BALANCE & DATE! The Current banlance being reported as of XX/XX/XXXX is not correct balance. That balance is not {$270.00}. In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update and report the correct balance for month of XXXX to {$49.00}. ( XXXX XXXX XXXX XXXX  ( TOTAL XXXX  CREDIT CARD ACCOUNT ) to current. As I am writing this today, today 's date is XX/XX/XXXX. XXXX XXXX XXXX XXXX  account : XXXX has reported a balance of {$49.00}. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Transunion have failed to update my CORRECT BALANCE. I have spoke with XXXX  XXXX XXXX XXXX, and they said they have been reporting since XXXX all the way to the month of XXXX WITH A BALANCE OF {$49.00}, but when I check my credit report, its the wrong balance. The other credit bureaus are reporting the correct balance, so please do your job correctly and report the correct balance closing date balance. Please correct this error. This is Defamation of Character and if you do not update my credit report with XXXX XXXX XXXX XXXX  account : XXXX I will sue you in court for Defamation of character. I HAVE DOCUMENT FROM XXXX XXXX XXXX XXXX ATTACHED THAT CLEARY SAYS THE CLOSING STATEMENT BALANCE AMOUNT OF {$49.00}. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT BALANCE OF {$49.00} : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO THE CURRENT BALANCE OF {$49.00}. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-01-09
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. (NY)

I am having an issue with the three major credit bureaus XXXX, Experian, and XXXX. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA XXXX
Consumer complaint received 2022-04-28
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. (NJ)

I have written several letters to Experian, XXXX and XXXX to resolve this matter, and have not been notified.

Under 15 USC 1666 ( B ), there has been a violation under 15 USC 1681 ( B ) my rights have been violated. 
Under these laws, my consumer rights have been violated XXXX XXXX XXXX XXXX XXXX acct XXXX
Consumer complaint received 2020-11-24
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. (AZ)

XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the XXXX  data breach and may have gotten into the wrong person 's hands.
Consumer complaint received 2020-11-24
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. (AZ)

XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the XXXX  data breach and may have gotten into the wrong person 's hands.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (FL)

on XX/XX/15 I applied online for a XXXX XXXX credit card to take advantage of 0 % interest promo. Card is offered thru Comenity Bank. I unfrozen my credit reports before I applied. I do have a fraud alert on my report report because of my common name and previous issues with wrong accounts merged on my report. I am aware that someone is to call and verify my identity. The message I received when I applied online was " processing and I would hear within 10 days '' I followed up calling a number XXXX XXXX  Manager gave me and I could not get anyone to help me. I was transferred three times - once to XXXX Customer Service, once to XXXX - XXXX XXXX and once to a recording. I was told that only a Supervisor could help me and they were not allowed to transfer to a Supervisor. To date, I still have not received any communication from Comenity Bank. I currently am a cardholder with Comenity Bank with XXXX XXXX and BJs XXXX XXXX cards - all in good standing. 

I would like to get a response ASAP as I would like to continue my purchase with XXXX XXXX during the promotion.
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I used XXXX ( XXXX ) through my chase app to pay someone for concert tickets. Turns out the person was a scammer and did not send me any tickets for my payment of {$280.00}. I have filed a claim with chase and they have told me that there is nothing they can do other than wait for a response from XXXX. I call XXXX and they tell me that there is nothing they can do. I just find it hard to believe that both Chase, who Ive been banking with for years, cant do anything to recover the funds. Im getting very frustrated since no one can do anything to help me.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had complaint the double charge on one item with Bank of America ; I had tried to contact the merchant to return the item without the merchant 's  response. I had tried to contact Bank of America several times about this addition charge ; I had told the bank that I am willing to return the item ; but, the merchant did not communicate with me except the asking the fund from the bank. However, the bank did not spend time to investigate and discuss the issue with the merchant. On the other hand, they just favor the merchant 's requested. The Bank of America claim # is XXXX. Thanks in advance for your consideration. XXXX XXXX.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, it's the 2nd time I submitted - as the original message was not properly submitted. 

Here are my details about credit reporting agencies : 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S. Code 1681 to ( 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.
Consumer complaint received 2022-04-28
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: DISCOVER BANK (VA)

In accordance with fair credit report Act XXXX  Account # XXXX has violated my right.

15 USC 1681 Section 602 state I have the right to privacy 15 USC 1681 section 604 a section 2 it also stays consumer reporting agency may not trend my written instructions 15 USC 1666B A creditor may not trend my payment on a credit card account under a open end consumer credit plan as for any purpose.
Consumer complaint received 2022-04-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

I sent in a third party authorization to Planet Home Lending on XX/XX/2022. I received an email this morning from the lender that it was denied since both the borrower 's signatures were not on the authorization. This of course is against the law. Only one signature is required to discuss the loan. The borrowers have agreed to sell the home for a cash price and escrow has been opened today, the lender will be paid in full. We simply need enough time to close escrow and satisfy my client 's debt to the lender.They are willfully delaying my ability to discuss this loan and get an extension on the pending auction date of XX/XX/2022. XXXX XXXX XXXX XXXX XXXX and has difficulty just holding a pen, let alone producing her signature. That is the reason she didn't initially sign the document. This is obviously a cash grab by this company and they're willfully committing multiple violations of bank fraud.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/21 bank of America blocked my debit card for no reason demanding I got to a bank with 2 forms of id even though I've informed them that my identity is completely verified with CA XXXX they still would not unblock my account. I had to contact edd for them to send over verification of identity and they unblocked it on XX/XX/21 not even 2 weeks later they have done the same thing on XX/XX/21 theyve blocked my account again for no reason without trying to confirm my identity. this is impacting my ability to pay my bills and mortgage putting me at risk of losing everything.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Capital Accounts, LLC (NY)

I was approved for Capitol One card, but the approval process requires a nyc Drivers license. I have offered them amedicadcard. Which they. Would not accept. How ever I had a card from when I ivedd in XXXX nd can prove it
Consumer complaint received 2019-03-11
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)

Requested a written document bearing signature from XXXX XXXX ( XXXX XXXX XXXX ) my indicating this is my account. I mailed certified letter asking for document on and it was received and signed for on XX/XX/XXXX and they failed to respond and or provide documentation. I also requested from Experian to dispute this item and they indicated it is being reported correctly without providing any documentation. This item was disputed with Experian in XX/XX/XXXX.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I have three overdraft fees for XX/XX/2019. I made a deposit to cover the overdraft fees in cash on the next business. According to Wells Fargo they will waive those fees in this situation. 

The bank refused to assist me
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (CA)

This process is a follow-up to prior to my previous complaint that contains these items : XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} These items must be removed for they are erroneously reported in my file.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX - Sent in a dispute to XXXX and to all 3 credit Bureaus requesting that the account get investigated for accuracy. The credit bureaus and the XXXX came back and stated that the account was verified as accurate. 
XX/XX/XXXX - I requested a method of verification. This was not provided to me XX/XX/XXXX - Sent a dispute again for the inaccurate information XX/XX/XXXX - 4th dispute requesting investigation of the account. 
-- -- The date of last activity is listed with Transunion as XX/XX/XXXX, XXXX  XXXX and XXXX  XX/XX/XXXX. This is years a part. If they are getting the information from XXXX how is this possible. Along with the High Balance. Transunion/ XXXX  is showing an high balance {$64000.00}. And XXXX  is showing a high balance of {$21000.00}. This is just confusing to me.