davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (AZ)

I am a victim of identity theft. Someone called American Express to cancel my American Express credit card account : XXXX. I never called American Express to have my account cancelled. Some of the transactions on my American Express credit card account are fraudulent and unauthorized, not all of the transactions are fraudulent and unauthorized on the account.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TN)

Fedloan Serving is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from Fedloan Serving indicating I had past due loans.
Consumer complaint received 2017-08-19
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: Receivable Recovery Services, LLC (LA)

On XX/XX/2017 I sent in a notice to dispute via certified return receipt # XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX for Receivable Recovery signed for the letter. On day 31 I pulled my credit profile and they failed to mark my account disputed as well as send me any information regarding this alleged account that I owe. This is a FEDERAL and STATE LAW VIOLATION. This is also not the first set of letters I have sent to this company, as they continue to ignore me and my request.
Consumer complaint received 2017-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX. Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.
Consumer complaint received 2016-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: EdFinancial Services (TX)

I have been on XXXX military XXXX since XXXX XXXX and I have been paying back my student loan since XXXX XXXX. I clearly obtained the debt prior to enlisting in the XXXX. 

The Edfinancial representative claims my loan was consolidated in XXXX so I am not eligible for interest reduction relief. The date of my loan origin is now XXXX which makes it seems as if the debt occurred after I enlisted. 

My student loan debt clearly originated prior to my enlistment ; regardless of when the lender decided to consolidate. 

Who can be of assistance in regards to this issue. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-03-10
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. (MI)

I have new and updated information. 
in accordance with the Fair Credit Reporting Act Experian has violated my federally protected rights!

Fact, 15 USC 1681 States I have a right to privacy, which Experian has infringed upon.

Fact, 15 USC 1681 States a consumer reporting agency may furnish under the following circumstance and no other : with the consumer written consent I have not giving Experian my written consent to furnish on my consumer report.

Fact, 15 USC 1681i Experian failed to do an accurate Reinvestigation.

Fact, according to 18 USC 1028a uses, without lawful authority, I did not give Experian consent to use my information Fact, I sent Experian letters and called multiple times telling the to remove the inaccurate information and they failed to do so, violating my rights to privacy as there is someone else addresses and names on my report. 
Fact, Friday XX/XX/XXXX XXXX with Experian told me they only investigation involves the furnisher verifying the account, Experian has no way of

kno wing if its accurate, so how could you exercise your grave responsibilities to accurate information if the not investigating as required. Fact, Experian is willfully and negligently noncompliance with federal laws.
Consumer complaint received 2022-03-10
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I contacted Wakefield and Associates on XX/XX/XXXX about an alleged {$1200.00} debt to a hospital. I asked that they return proof that I actually owe what they claim. They have failed to produce proof in over 2 months and they are impacting my credit with claims of late payment.
Consumer complaint received 2022-09-08
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. (NY)

I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from XXXX XXXX XXXX XXXX. XXXX then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). XXXX XXXX XXXX claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that XXXX would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that XXXX broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one. 

XXXX also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called XXXX ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call XXXX indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. XXXX informed me that they would escalate in order to process the lease extension paperwork since it was their mistake. 

XXXX then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. XXXX has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed. 

I have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by XXXX I will be pursuing legal action and enforcing my rights under consumer law.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

ON XXXXXXXX XXXX,2022 OUR COMPANY RECEIVED A CHECK FROM ONE CLIENT FOR THE AMOUNT OF XXXX. THE CLIENT WROTE THE CHECK WITH OUR COMPANY NAME WRONG, JUST FEW LETTERS. CHASE ACCEPTED THE CHECK AND PUT A HOLD ON THE CHECK. IN LATE XXXX XXXX TOLD XXXX THAT OUR ACCOUNT WILL BE CLOSED ON THE XXXX OF XXXX BECAUSE THEY THOUGHT IT WAS A FRAUDELENT CHECK. CHASE NEVER RETURNED THE FUNDS AND WERE DEDUCTED FROM THE PAYEES ACCOUNT. NOW CHASE HAS THE FUNDS IN THEIR POSSESION AND ARE NOT WILLING TO PAY US ALL THE MONEY THAT WE HAVE IN OUR BANK WHEN IT WAS CLOSED INCLUDING THE MONEY FROM THE CHECK. THEY ASK ME TO GO TO ABRANCH WITH A LETTER FROM THE CLIENT CERTIFING THAT THEY GAVE US THE CHECK, WE DID THAT AND THEY STILL WONT PAY US OUR MONEY BACK. THEY TOLD US TO TELL THE CLIENT TO MAKE A RECALL FOR THE CHECK, BUT THE CLIENT IS NOT WILLING TO DO THAT FOR LACK OF TIME AND HE UNDERSTAND THAT IS XXXX RESPONSABILITY TO RESOLVE THE ISSUE, CHASE HAVENT MAKE ANY ATTEMP TO CONTACT THE CLIENT.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

I am writing to complaint to SYNCB/PPC about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Consumer complaint received 2023-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

This is not my loan. Someone opened under my name. This is identity theft. I received an alert on my account in XX/XX/2022. A new lender has started a loan under my name. I never applied for this loan. But it comes out in all of my credit reports. I have put a fraud alert on my account. Tried to have it deleted from all my credit agencies. I sent a letter to the lender. I tried calling the lender. No answer. However the lender responded in a letter that I need more information. I do not want to give them my personal information. I read that they have a bad reputation. 
Amount of original loan amount {$1600.00} XXXX. Secured loan. @ $ XXXX  month This is a secured account. But its nothing I own? So how could it even be me. 
Also they never did a credit check.
Consumer complaint received 2022-03-29
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. (IL)

I have been disputing 2 accounts from XXXX XXXX in the amount of {$620.00} and another account with the amount of {$460.00} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But XXXX  and transunion and XXXX always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense XXXX  .transunion, XXXX  doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BRAZOS LOAN SERVICING (TN)

Brazos Loan Servicing is reporting multiple accounts as XXXX days past due, all having a XXXX balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from Brazos Loan Servicing indicating I had past due loans. I did not even know I had loans with Brazos Loan Serving.
Consumer complaint received 2017-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

I 'm in school at XXXX XXXX half time receiving XXXX XXXX. I was told the school did not send my hours over for them to put the loan into deferment. I was told on XXXX/XXXX/XXXX, they received the hours verification paperwork from XXXX XXXX but they would have to " double check '' to make sure I should be in deferment. Meanwhile, I 'm receiving letters asking for me to pay my past due amount and I 'm going to have to call on Monday, XXXX/XXXX/XXXX to turn off my auto payment due on XXXX/XXXX/XXXX. What triggered the loan repayment is XXXX XXXX XXXX let then know in XXXX XXXX that I was not at the school anymore so the grace period had ended. This is the first time ever I have had ANY trouble with XXXX XXXX XXXX following the proper procedures for deferment. I do not want to be coded as XXXX because FedLoan Servicing wo n't comply with the law. I 'm at my wits end trying to get this worked out. I do not want to use the forbearance because I 'm unemployed right now and I may need that next year. My loans go back to XXXX and I never had issues with XXXX XXXX.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information.
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Essential Retrieval Group (MA)

They keep calling me and wo n't say who they are, just that they were hired to collect a debit I owe. And when I try to explain that I do n't owe any XXXX they start saying they are sending someone to my home with a summons. They are now harassing me. How can I make this stop?
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I reviewed my credit report on XX/XX/XXXX and I noticed some incorrect inquiries and not accurate. and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable laws and procedures required to assure the maximum accuracy of the information concerning the specific individual about whom the report relates. These inquiries and/or accounts are as follows : 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 and according to 15 USC 1681s-2 A person shall not furnish any information relating a consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

check the attachments below
Consumer complaint received 2022-08-10
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. (NC)

I would like to state that Experian is in direct violation of 15 USC 1681 ( 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 Experian written consent to report anything on my behalf on this consumer report. No consent is identity theft. Furthermore under 15 USC 1681 ( a ) ( 3 ) Experian assumed this role without permission not only did they not have my permission they didn't have my consent. This company did not respect my rights to privacy which is under 15 USC ( a ) ( 4 ) Experian did not exercise their grave responsibility, they were unfair and partial. 15 USC ( b ) ( 2 ) Experian never had a permissible purpose. I never instructed Experian to furnish this report and I never consented to this report in the first place. I am demanding deletion off all this unauthorized account on this report or I no longer want to continue to do business with this company
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I visited the local branch of JP Morgan Chase located in XXXX, New Jersey where my wife and I live. I asked that I be refunded a balance on my Chase Credit Card in the amount of {$220.00}. The bank branch manager called Chase Credit Card and after half an hour XXXX the supervisor came on the line and said to the branch manger and to me that the refund check would be overnighted to me as I had repeatedly said I needed the money and that " Time is of the essence ''! XXXX also said that at the latest I would received the refund check on Monday XXXX XXXX. I did not receive the check either day. I returned to the branch and the branch manager again called. This time Chase Credit Card said the check had not be drafted on XXXX XXXX as XXXX had promised but on XXXX XXXX and was mailed out on XXXX XXXX by XXXX but no tracking number was given the branch manager or me. The refund check has still as of XXXX XXXX arrived! And this despite my 6 visits to the branch, 10 letters to XXXX XXXX XXXX the Chairman and CEO of JP Morgan Chase at XXXX XXXX XXXX, XXXX XXXX, New York XXXX, and many telephone calls! I am a XXXX citizen and this experience has proven to be physically difficult for me. XXXX in the branch officer said on XXXX XXXX, " The matter has been escalated to the highest level of the bank! Please call this number and be sure to give them this reference number. '' So I called on XXXX XXXX but no one was able in the Executive Office to speak to me. The next day at XXXX XXXX XXXX from the Executive Office called. He is a " research analyst '' but could not help me get the check overnighted to me. He said, " I need a few days to do research ''! This though both he and XXXX in the Executive Office noted " the matter is urgent ''! Still I did not have my money that I very much need as I live primarily on Social Security. Such poor treatment of me a senior citizen by JP Morgan Chase which with assets of {>= $1,000,000} assets is the largest bank in the United States and one of the largest banks in the world! JP Morgan Chase refused to wire the refund to my JP Morgan Chase checking or savings accounts! The local branch has washed its hands of the matter. The Executive Officer refuses to send me the refund check overnight! And all the time, to repeat, a really need the money!
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Fedloans has not updated my payment counts toward XXXX despite me receiving an email that my payment counts are expected to go up. Further, they sent a letter that warned against consolidation of my loans saying my payment counts would start over when in fact a waiver law went into effect XXXX that says we must consolidate to get highest payment counts. They are sending false information so that I miss out on being eligible for forgiveness.
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MD)

They leave no messages. Tried calling number back. " number disconnected '' but get call right back on number. ID says " Synchrony XXXX '' Have received over 50 calls from number for the past 30 days. Listed numberson " Donotcall.gov '' Still calls.