davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

An item ( book ) was purchased. When I received it the book was damaged and defective. I returned the book and made a claim with  Chase Freedom Cr edit Card. I have endlessly tried to resolve this matter and have been unsuccessful. I have called numerous times and no help. Just recently I sent an email to Ms.  XXXX   XXXX  to see if maybe she could step in and help and again I was ignored. I have done nothing wrong and now I am being threatened and m y credit score is r eally bad. I am trying to avoid litigation. You need to change the rules for credit card companies. I feel ripped off and a victim of a bad faith.
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (PA)

On XX/XX/XXXX I mailed in an AES Credit Dispute form along with documentation showing that a double payment in XX/XX/XXXX had been made : payment 1 on XX/XX/XXXX and payment 2 on XX/XX/XXXX and the second XX/XX/XXXX payment was not counted as my XX/XX/XXXX payment. AES marked me as late. Due to marriage and name change, the bank returned my payments and AES no longer allows me to pay online. XX/XX/XXXX another payment made after no help from customer service. Account is up to date. Sought removal of negative marking on credit but with no positive assistance from AES customer service.
Consumer complaint received 2015-06-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Franklin Financial  Corporation (WI)

The issue that I am having with the financial institution is that I have a verbally told them to not contact me at my place of employment XXXX separate occasions and they are still calling my employer also as well as verbally telling them I did draw up a cease-and-desist paper explaining again demanding them to stop contacting me at my job and today, they called my job again and left a detailed message on the voicemail. My boss is writing me up, and is on the verge of ending my employment. Along with that, they have sent a copy of my vehicle title to an unauthorized reference through email, this reference is NOT listed on the loan and therefore I feel it was a gross violation of our privacy policy. Also, a reference I listed has been continuously called and harassed by Franklin Finance, even after telling them the calls need to stop, they still call him.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX I noticed 4 bankruptcies was reinserted back on my credit report with Equifax. I disputed it last year in XX/XX/XXXX and it was verified that XXXX XXXX which is their furnisher did not have any bankruptcies on my consumer report with them. Equifax deleted all four off of my consumer report. They are in violation of the FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy, Duties of furnishers of information to Consumer Reporting Agencies. also 15 US 1681e Accuracy of Information.. Also Equifax has so many inaccuracies in reporting accounts number, date of opening accounts, dates of last activities and amounts and also inaccurate personal information ect. I am also uploading the copy of showing absent credit reports from XXXX  XXXX thru XXXX  XXXX. I am requesting {$1000.00} per inaccuracies from Equifax. XXXX and XXXX is also reporting inaccurate information such as the dates reported, the amount, the date opened the status ect. All three Credit Bureaus are reporting inaccurate information on my consumer report. FCRA Law states that as a consumer we are to have an accurate consumer report with all three credit bureaus, with all of them stating the exact same thing reporting.
Consumer complaint received 2018-03-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a dispute request to Transunion over 30 days ago and instead of receiving investigation results, I received simply just a credit report with a report number ( Report # XXXX ) as a stall tactic from Transunion. 
According to the Fair Credit Reporting Act that is a direct violation of my rights as a consumer and I want the negative items on my report investigated and removed from my Transunion report immediately.
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I have contacted Amsher Collection Services 3 times for debt validation with tracking number. They only send me a copy of some bank statement with someone with the same name. They never validate the debt to the law of FDCPA and FCRA. They are furnishing inaccurate information. I have disputed the debt numerous times with XXXX which always comes back verified. XXXX and XXXX deleted the records.
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (PA)

XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

XXXX XXXX is an account holder of many services from USAA, but she has recently passed away. However XXXX has passed away as of XX/XX/XXXX. There are 2 insurances withdrawn from XXXX, there is an outstanding debt on a credit card, there is also a " subscribers '' account. I go on to her online portal and attempt to work with someone regarding her situation and they are not helpful.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My property was damaged in a storm on  X/XX/2017   . Bank of America required us to get them to endorse the insurance check, which is normal policy for most institutions. The endorsed insurance check, required contractor information, and insurance estimate were sent via overnight mail to B of A on  X/XX/2017    and an overnight return envelope with postage paid was provided for rush requests, per the instructions on their website. I have called on numerous occasions and I am always told that they are working on it. Today,  X/X/2017   , I was told that the " first {$20000.00} was released on  X/XX/2017    '' but that the remainder of the funds will not be released to us until they get my contractor set up as a vendor. The expected date for that is  X/XX/2017   .  <P/> As of today,  X/X/2017   , I still do n't have the funds that were supposedly released and once they are received, the paper check will require over a week to clear, even though I asked that they direct deposit the funds so I can get the repairs started. The delays in this process could be causing additional damage to my home, which will definitely cause unnecessary hardship for our family. Please let me know what can be done to get this process fixed. I have never seen an institution hold funds for this amount of time, when there is work on a property that has to be done.
Consumer complaint received 2022-03-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my XXXX XXXX and it has dropped my XXXX XXXX by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against Transunion for XXXX disparities for their credit reporting practices against minorities. My XXXX XXXX dropped then too.
Consumer complaint received 2022-03-03
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 XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-10-16
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: Experian Information Solutions Inc. (LA)

On XXXX I mailed out disputes to XXXX, experian and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XXXX was a generic letter telling me to contact the creditor from XXXX XXXX removed two inquires but nothing else on the others, experian sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M&T BANK CORPORATION (NJ)

My mother is XXXX XXXX XXXX. Her account was compromised due to fraud. A detective from M & T bank contacted me in XX/XX/XXXX to tell me there was money being laundered from her account. My mother took out credit cards to pay the thieves from her account.. The tellers at the bank allowed an XXXX XXXX XXXX women take out credit cards totaling approximately {$11000.00}. M & T was aware of my mothers financial status. She is now in {$11000.00} debit to M & T bank. I believe M & T has predatory lending practices and we would like to have the credit cards discharged. She has already paid approximately {$3500.00} in credit card bills to M & T. 
I have contacted M & T on numerous occasions XXXX, XXXX and recently in XXXX. I have called on behalf of my mother and the matter has not been resolved. 

Your attention to this matter would be appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2017-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX I mailed out disputes to transunion, XXXX and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XX/XX/XXXX was a generic letter telling me to contact the creditor from XXXX, transunion removed two inquires but nothing else on the others, XXXX sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.
Consumer complaint received 2022-03-03
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)

I spoke to Equifax today and they advised they will not accept the FTC report and rejected it as the inquires I disputed does not have a date listed. This is absolutely ridiculous! I was affected by their data breach and yet they will not correct the fraudulent information!
Consumer complaint received 2022-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

TO : CITI CARDS, XXXX XXXX, XXXX XXXX, XXXX XXXX BY FAX : XXXX XXXX PAGES FROM : XXXX XXXX, XXXX XXXX XXXX, APT XXXX, XXXX, XXXX XXXX XXXX : ACCT. # XXXX GENTLEMEN : AFTER MANY YEARS OF DOING BUSINESS WITH YOU ON MY SUBJECT ACCOUNT, YOU HAVE BECOME IMPOSSIBLE TO FOR ME TO DO BUSINESS WITH. YOU HAVE CONTINUED TO MAKE LIFE DIFFICULT FOR ME BY YOUR LACK OF RESPONSIBILITY IN DOING THINGS ON A TIMELY BASIS. AS A RESULT IF THE MATTERS LISTED BELOW ARE NOT RESOLVED BY XXXX, I WILL FILE A FORMAL COMPLAINT WITH THE CFPB. 
THE MATTERS TO BE CLARIFIED ARE LISTED BELOW : 1. ON XX/XX/17 I RECEIVED 2 CHARGES, EACH FOR {$99.00}. THEY WERE FROM XXXX XXXX XXXX, & XXXX XXXX. I DISPUTED BOTH OF THE CHARGES, INFORMING YOU THAT I DID NOT ORDER EITHER GOODS OR SERVICES FROM THESE PARTIES. THE CHARGE WAS CANCELLED SUBSEQUENTLY. AS A RESULT OF THESE FALSE UNAUTHORIZED CHARGES, MY OLD CREDIT CARD, ENDING IN XXXX WAS CANCELLED, & THE NEW ACCOUNT CARD WAS ISSUED. ON XX/XX/17 THIS MESS AGAIN RAISED ITS UGLY HEAD WHEN I RECEIVED A FORM TO FILL OUT, SWEARING THAT I HAD NEVER AUTHORIZED THE CHARGES. YOU ACKNOWLEDGED THE STATEMENT IN AN EMAIL TO ME. HOWEVER YOU FINALLY PUT THE CHARGES BACK ON MY CREDIT CARD, WHICH I PAYED BUT DID SO ONLY BECAUSE YOU FAILED TO CONTACT THE SUPPLIERS ON A TIMELY BASIS. YOUR NEGLIGENCE COST ME ALMOST {$200.00}. 

2. ON XXXX I FAXED YOU THE FROLLOWING : I AM HEREBY CANCELLING MY REFERENCED CREDIT CARD. I FIND THAT OUR LONG TERM RELATIONSHIP NO LONGER WORKS. YOU WERE FOR MANY YEARS AN EXCELLENT COMPANY WITH WHICH TO DO BUSINESS. I NO LONGER FIND THAT TO BE TRUE. 

3. ON XXXX, I FAXED YOU THE FACT THAT YOU HAD NOT CANCELLED MY CREDIT CARD AS REQUESTED ON XX/XX/17 AND AS A RESSULT A CHARGE WAS PUT ONTO MY ACCOUNT, WHICH SHOULD NOT HAVE BEEN HONORED, SINCE MY ACCOUNT WAS REQUESTED TO BE CLOSED ON XX/XX/17. YOU IGNORED ME, AND INSIST THAT I PAY A BILL FOR A CHARGE OF {$14.00}, WHICH SHOULD NOT HAVE BEEN ACCEPTED ON A CLOSED CREDIT CARD. I AM NOW REQUESTING AGAIN THAT YOU REMOVE THIS ILLEGAL CHARGE. 

XXXX. I HAVE EARNED A CREDIT OF {$41.00} ON MY ACCOUNT, PRIOR TO CANCELLATION OF THE ACCOUNT. I REQUESTED THAT AMOUNT BE PAID TO ME AS I HAD EARNED THE {$41.00}. YOU REFUSE TO DO SO! 

I DO NOT FIND THAT YOU HAVE DONE BUSINESS WITH ME ON A PROFESSIONAL AND TIMELY BASIS, AND THIS WILL BE MY LAST ATTEMPT TO HAVE YOU CORRECT THE MATTERS BEFORE I TAKE FURTHER ACTION AS LISTED ABOVE. 

XXXX XXXX XX/XX/17
Consumer complaint received 2022-09-07
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. (GA)

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well.

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.
Consumer complaint received 2022-03-03
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. (MI)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/XXXX Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX  Account Number XXXX, opened XXXX, Closed XXXX2020.15 USC 1681 ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Equifax to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the XXXX closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 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. Equifax is violating the united states codes and should delete these items off of my consumer report or face legal action
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America Credit Card Services has on multiple occasions in one year charged {$1.00} interest on a XXXX balance. I have continued to call multiple times, each time they remove the fee and apologize for inconvenience, but yet do the same thing each time I have paid a balance and have a XXXX balance. Bank of America is deliberately charging customers {$1.00} on XXXX balance, is aware of the issue, but does nothing until a customer calls in and complains.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

My account was accessed from chime over XXXX was used of my money I submitted a claim that was denied again.i put in a rebuttal and it was denied I have police reports and proof I was incarcerated between the dates of XX/XX/2021 until XX/XX/XXXX XXXX purchases made were fraud
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Southwestern Investors Group, LLC (GA)

I was contacted by  XXXX   XXXX   (   XXXX   ) a t  XXXX . Originally he did not say where he was calling from, only that he was working wi th the District Attorney in my county and was  filing the next day to garnish 30 % of my wages and levy my bank accounts for a debt owed to  XXXX   XXXX  in the amount of {$790.00}. He said they will freeze any bank account with my name on it and take all the funds. I imagine interest is included as my credit limit was only {$500.00} and I was no where near that when I ran into financial trouble. Ultimately I would owe over {$3000.00} once attorney and court fees were applied. He told me that I needed to make a good-faith payment that day to keep him from filing in court.  <P/> I came to know this was a collection agency after I contacted  XXXX   XXXX . They told me the debt was now held b y Southwest Investor Group a t  XXXX . I called and asked for my balance and how to make some sort of payment arrangement. The young lady that answered informed me that it was with  XXXX  and transferred me.  XXXX   XXXX  answered the phone sounding angry that I called in on the  XXXX  number. I asked him to send me debt information through the mail as I had not received anything about this outside of a phone call in over a year.
Consumer complaint received 2017-06-05
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. (OH)

There is still a number of fraudulent accounts on my experian. These accounts in question has not been validated. I reached out to the companies to send me a signed documentation with my signature on the application and its been over 30 days and have not gotten a response. I know for a fact that Experian has not verified any of these accounts accordingly. XXXX is not a proper way of verifying fraudulent accounts. These accounts should not be on my credit report unless given permission. Under the XXXX Law Dictionary VERIFY means : To confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. The word " verify '' sometimes means to confirm and substantiate by oath, and some- times by argument. <P/>XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX are all fraudulent accounts and have not been verified nor validated. No consumer should have to endure such a horrific situation. These accounts was removed and put back on my credit report without the proper method of verification or the proper validation request I sent to each company. Remove immediately!