davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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. (NJ)

HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( XXXX XXXX, XXXX, EXPERIAN ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX-XX 2017 there was a fraudulent charge made to my Chase acct! For {$97.00}. I filed a fraudulent claim the money was returned! I received a email from Chase saying THEY 'RE reversing the funds and putting them back on my account!! I called and asked why and they said the company has submitted proof the charge was mine! This is impossible I did not order anything from this company!! 
My bank said it was a free for pay! I do n't know what that is, but I live in SSI and ca n't afford such things! And I do have some credit cards, if I was going to order a {$97.00} item, I would have put it on my credit card, and not my Chase credit card either! Why would I put it on my debit card knowing it would overdraw my acct Majorly! Instead of on my other credit cards so I could pay it in payments!! I called the company and they said they do watches! I did n't receive a watch! I am desperate, I looked up the company online and they are a home business associated with Morgan Chase! Plz help me! I borrowed the money to put in the bank, help!!
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NY)

Hello, As I was looking at my XXXX Credit report, I found that Southwest Credit Systems was listed. I had never heard of this company and did not know why it was on my credit report. It was sometime that I realized that it was a collection agency I guess hired to collect on a old XXXX XXXX bill. It was then that I realized that I had already paid this old bill off directly to XXXX XXXX and that is why I was able to renew internet services from XXXX XXXX, which is not XXXX. I had NEVER received anything from this company and do not understand why thy are being allowed to place this old and already paid collection on my credit file. I have never had any dealings with this company. 

Back in XXXX I submitted a debt validation to XXXX and several additional times over the course of the last few months have requested verification of any dealing with this company. as stated before, I had already paid this bill Directly to XXXX XXXX. This company continues to have this on my record even though they are fully aware I ahve had not contact with them.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

On XXXX XXXX, 2017 I purchased a new vehicle from XXXX XXXX XXXX in XXXX Florida. I traded my XXXX Chrysler 200 in as part of the deal with the dealer promising to pay off said loan with Chrysler Capital while obtaining a new loan with Chrysler On XXXX XXXX, XXXX I learned that not only did the dealer lied, and not pay off my loan some 26 plus days later, but my loan is in default as a result of the dealer misrepresentations. Neither XXXX XXXX nor Chrysler Capital will take action against the dealer for their misrepresentations nor hold them responsibly for the default loan as a result of their delays in paying said loan number XXXX. Not only will my credit be harmed, but no one will correct the situation which was no fault of my own. The dealer needs to be held responsible for this and XXXX XXXX & Chrysler Capital need to sanction said dealer for this issue.
Consumer complaint received 2021-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft DEPT OF ED Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (IA)

Dear sir or Madam : I am writing because I need your assistance seeking a resolution for unauthorized purchases on my American Express Serve Prepaid Card. I loaded {$500.00} XX/XX/XXXX and {$250.00} XX/XX/XXXX to take advantage of the up and coming online discounted merchandise after the Holiday season. I received a Fraud Alert directly to my cell phone XX/XX/XXXX inquiring did I recognize the attempted purchase at XXXX XXXX in the amount of {$170.00} I immediately responded indicating NO in fact, I sent 6 separate messages stating the attempted charge was NOT authorized. That same day XX/XX/XXXX I followed up the text messages with a call to American Express customer service. I explained apparently my card was lost because I did not have it in my possession and I did not attempt to make a recent purchase. The American Express agent advised there was numerous pending transactions on the account but may take a few days to complete. I immediately requested the American Express card to be cancelled. I was informed the card was reported lost, cancelled, a new one would be issued and I would receive a dispute form via email. I just needed to fill out the form accordingly and return within 10 business days. I received the Declaration of Fraud Form via email XX/XX/XXXX. 
I promptly returned the form XX/XX/XXXX answered all pertinent questions, and indicated the following purchases were unauthorized. XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$69.00}, XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$23.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX amount {$34.00}, XX/XX/XXXX XXXX # XXXX XXXX ON amount {$110.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX amount {$63.00}, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX amount {$120.00}. I am requesting unauthorized purchases of {$390.00} including but not limited to Fee for Foreign Transactions in the amount of {$10.00} and any other charges associated with these unauthorized purchases be refunded immediately. The XXXX charge in the amount of {$34.00} on XX/XX/XXXX was a recurring purchase also charged XX/XX/XXXX. I was able to resolve this discrepancy directly with the merchant. I am shocked and appalled American Express would have the audacity to send an electronic letter XX/XX/XXXX indicating and I quote Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized Our financial institution ( s ) have hit absolutely rock bottom Logically am I to think there was a thorough investigation conducted all within 8 hours? Moreover, I reside in XXXX, Iowa USA these unauthorized purchases was in XXXX, YES, XXXX!!! Please assist in resolving this concern. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-07-26
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. (TX)

Collection agencies ( XXXX XXXX and XXXX ) have added a collection to all three credit bureaus and I do not owe the original creditor who is XXXX XXXX. My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof. I requested proof from both collection agencies and this is what I received from both of them. Equifax, XXXX and XXXX only reduce the debt owed to a XXXX balance but leave the collection on my credit. I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

There are numerous addresses and employers that are incorrect on my report. I have asked that th ey be removed so that all of my credit reports match. I have sent in two letters, one fax,  and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX  y My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / XXXX /  XXXX  .
Consumer complaint received 2018-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I was mistakingly given two SSN and I have since resolved this issue with the Social Security Administration and they have told me to start using my correct SSN. They even provided a letter for all transfers and changes I will need. I want all my credit from Transunion on old SSN, transferred to new. 

I have contacted Transunion with ALL needed documentation and they answered with a letter that has nothing to do with what I said, or talk about any updates. Which means it was n't even looked at.. I want all my credit history with Transunion transferred to actual SSN asap. I have provided the letter I sent them and what they answered with.
Consumer complaint received 2017-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have notified Capital One Bank that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXX was the last year of activity on this account. Equifax and XXXX have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. XXXX shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my account.
Consumer complaint received 2017-09-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (GA)

Chase has refused to provide documentation showing they had rights to service or collect on my home loan. I have requested copies of the Limited Power of Attorney given by the Federal Deposit Insurance Corporation giving them receivership rights to service my loan from Washington Mutual Bank as they have previously stated..
Consumer complaint received 2017-11-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

In XXXXXX/XX/XXXXI was a recent graduate with over XXXX in student loan debt. My private student loan payments with Navient were over {$600.00} per month. I had not been able to find a full time job and also had other student loan payments due to XXXX. I was unable to pay Navient {$600.00} a month and spoke to their representatives only multiple occasions about this. They did not offer me any options to lower my payments, but instead kept directing me to forbearance agreements that charged me {$150.00} fee per month for the forbearance while my loan balance continued to grow.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX Bank again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX  has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my Experian credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - US Bank event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX  CONTINUALLY MAKING ERRORS
Consumer complaint received 2022-09-09
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: LEXISNEXIS (FL)

YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report.

Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit.

According to Burden of Proof Under the Fair Credit Reporting Act, 15 U.S.C.1681e ( b ) ) requires that a credit reporting agency follow " reasonable procedures '' to ensure maximum accuracy in credit reports. It is a matter of National security when a consumer who is apart of the Country 's XXXX XXXX  privacy is violated and or breached.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (WV)

I need my creditors to have a mechanism for my problem. Through no fault of my own- a systemic problem in the Virginia Employment Commission , I was not able to receive unemployment payments for 5 months. There was a class action lawsuit on this and the lawsuit resulted in an order for the VEC to be monitored. https : XXXX and https : //www.vec.virginia.govXXXX Despite monitoring the systemic problems still exist and people like me have their credit damaged or destroyed. I have been unemployed since XX/XX/XXXX of XXXXSince my work as a Federal Proposal Manager is dependent on the Federal Budget and a lack of threats of US Government Shutdown, few employers were hiring people such as me. I immediately attempted to file for unemployment insurance, but both the Virginia Employment Commission website and the Virginia Employment Commission phone system were malfunctioning to the point where I could not initiate my unemployment claim. I was finally able to initiate my claim in XX/XX/year>. I was only recently ( XXXX ) been able to have a backdated claim to XX/XX/XXXX, and I have filed an appeal to have that back-dating extend back to my unemployment date of XX/XX/year> ( with a required waiting week ). Is there any way that the CFPB can assist me in having my creditors remove my late fees and correct the reporting to the credit bureaus? I have told each creditor over and over that I am not at fault and that I would have made the minimum payments at least over these past 6 months. Please note that I had a short contract in XXXX and paid many of my monthly payments when I was paid. This is proof that I intend to pay, but that I was and have been deprived of my unemployment payments which I would have used to make these payments. Thank you.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (FL)

The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my countless attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXXBalance : {$4100.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; 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
Consumer complaint received 2017-09-21
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: EQUIFAX, INC. (NH)

XXXX XXXX has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period
Consumer complaint received 2015-04-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Recently, I deposited a check from my XXXX XXXX account to my Union Bank account. The day after funds transfered to Union Bank I noticed my funds were on only partially credited to my checking account. A Union Bank branch manager told me that the partial credit would be on hold for 2 - 3 days after funds transfered in. How many days does Union Bank legally have to hold client funds once the transfer has been credited to thier ledger?