davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting 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)

EXPERIAN, XXXX, AND XXXX are inaccurately reporting the account ( XXXX XXXX XXXX XXXX ) as a debt when it is income. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate and it must be removed! 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Not only is this account reported as a charge off ( income ). In the Comment section of the XXXX consumer report, this account is listed as " medical '', ONLY on this XXXX consumer report and not the other two. The reported income is not related to anything Medical and therefore is inaccurate. 
XXXX XXXX XXXX account MUST be removed from my consumer report! 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, & Experian are not maintaining reasonable procedures. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Experian, & XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

I have attached a screenshot from Publication 4681 ( XXXX  ) from the IRS, as well as, the associated XXXX XXXX XXXX account that is inaccurately reported on my consumer reports
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

I went to a ATM machine on Friday, XX/XX/2023 approximately between XXXX to XXXX or XXXX oclock to deposit {$500.00} cash so I can pay my rent same day so I would not be late on my payment. When I get to the ATM in XXXX XXXX XXXX in XXXX XXXX Florida there was a line, I waited in line where I was the 3rd person, when it was my turn I scan my debit card and put my PIN number and follow the depositing prompt the deposit door open for me to put the money I did, afterwards the ATM machine started acting up opening and closing several times, when I see that the person that was in the line waiting for there turn said to me looks like the machine dont want your money, after they said that to me I reach to get my money back but the machine closes and started processing while it was processing a quick error message pops up and quickly disappeared didnt even get a chance to read it. Afterwards the screen just went to Home Screen didnt even print no receipts or even asked me if I want to print my receipts. When I saw that I thought it was weird so I scan my debit card again and check my checking account to see if the money deposited but it was not. I was confused, so I pretended to make a deposit to see if the deposit door would open so I can see if the money still in there but when it opened there was no money in there, my heart start beating fast because the line was getting longer so before I let the other person that was waiting go next I printed my balance that I had in my account so I can get the customer service number to make a claim and I also call the police to set a police report but they did it over the phone with me had the case number and claim number 3 days later I call the claim department to follow up with my claim they told me that it will take XXXX to XXXX business days to investigate and get a decision, after XXXX to XXXX business days I called they told me that they sent my claim to the wrong department they going to sent it to the non fraud ATM claim department that it will take another XXXX to XXXX business days to get a decision after XXXX to XXXX business days they call me saying that after their investigation my claim was decline/ denied and that the machine didnt have extra money in there and that the machine show no errors.I was mad and frustrated and confused. I just want my money back. So I went to the bank talk to a manager and she file a claim for me in the executive office after XXXX to 7 days executive office stand with the claim decision to decline/ denied my claim. I want help, I want surveillances to pull and I want my money back please help me. I want my money back and more for putting my through stress and late in my rent and I had to borrow the money to pay my rent and still have not pay back the money yet.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

CFPB Write up n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # 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
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Fraudulent Accounts Appearing On Credit Report. 

1. XXXX XXXX XXXX {$4600.00} 2. XXXX {$520.00}
Consumer complaint received 2022-02-08
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)

On XX/XX/2021. I ordered the XXXX  diet pills. I received them somewhere around XXXX XXXX They also had a. 90 day money back guarantee. I called ( XXXX ) XXXX on XX/XX/XXXX, spoke to someone named XXXX. She was located in XXXX ( she said ). I asked her for a supervisor because I wanted to return the merchandise because it did not work. She told me I did not need to return the merchandise because of health/ COVID reasons. But said that they would provide a credit refund to the method of payment that I used to pay for the diet pills. I said OK. I called back again on XX/XX/XXXX and told them that I did not see the credit pending on my card. And the guy told me that I needed to return the merchandise. And I told him that's not what I was told previously. I told him if he wanted me to return the pills, I would do so. But they needed to provide me a label. He said they don't do that. On XX/XX/XXXX I filed a dispute with Chase because I was tired of getting the runaround and people telling me different things. Chase Provided a temporary credit. Then on XX/XX/XXXX, I noticed that Chase had put the money back on my card. As though it were my financial responsibility because they closed the dispute. I called the company, XXXX, again and spoke to a supervisor named XXXX. She said that there's nothing she could do because there was an open dispute on my account. I called Chase and did a 3 way call. And that's when I found out that I can reopen this dispute. I dont have any return. Information or tracking because I didn't return it based on what I was told. 
It is unfair that every time a company provides information to the consumer about returning an item and a money back guarantee, they do not honor it. And then when you call the company to try to get resolution, you end up always speaking to someone out of the country and they give you these weird names. It seems like each representative that I spoke with at XXXX had something different to tell me, and that's not my fault. I should not be penalized and have to keep an item that does not work and did not work for me, and item had a money back guarantee. I request this dispute be reopened and I request a full refund from Chase or from the company. I don't know how this is supposed to work from here. The company says they can not refund me because there is an open dispute and the item was charged back to them. Chase says they can not provide me a refund or a credit because the company supposedly provided information that led them to close my dispute.

Two Chase representatives from the Chase Disputes dept called the merchant to let them know that my dispute with Chase was closed and that they could provide me { Chase } with the mailing address to mail back the unused product. The Merchant was rude and said No. 

I even called the
Consumer complaint received 2023-03-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I have been trying to work with navient about lowering my payments, but they have offered me no other option but to go into default because I can not continue making the payments. I have found a company to help me refinance the loan once it defaults. The problem is that the navient keeps calling me several times daily, even though I have told them about my problem and that I can no longer continue to pay them at 14 % interest rates, which they keep increasing with no help. So I would like them to stop contacting me. But they continue every day into the evening, several times during the day. I tried to work it out with them but they offer not support so I am having to do this as the only solution to deal with this predatory private student loan.
Consumer complaint received 2022-02-08
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-08
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. (WA)

XXXX is reporting XXXX account that is past the statute of limitation. Reporting to XXXX account with the same account number but with two different amounts and is also reporting accounts open when they're closed accounts not marked as sold or transferred accounts was sold but still showing balance shows difference with XXXX reporting accounts that has been paid in full or with zero balance
Consumer complaint received 2020-10-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I am not sure what XXXX XXXX was doing but his response was useless. He did not respond to the continuing complaints I made but went for the shiny object.

I raised the question about the interest rates I was offered after learning about another Wells Fargo scandal where they offered  different interest rates to XXXX and XXXX borrowers compared to XXXX borrowers with similar financial backgrounds. 

What XXXX got incorrect is that I was supposed to start the refinance process with XXXX XXXX on XXXX XX/XX/XXXX. Prior to that, he verbally quoted me an interest rate of 3.5 % when we spoke on the phone. Instead of calling me to reschedule, XXXX sent me an email saying he could not make the XXXX XXXX  appointment and I did not see it until after I called him to start the refinance process. Great customer service! I responded to his email by telling him we could speak the next day, XXXX XX/XX/XXXX, at XXXX XXXX. 

When I called on XXXX XX/XX/XXXX, I spoke with XXXX XXXX and asked her if XXXX was available and she said she did not show that he was. I am not sure if that was true or if she was trying to swoop in on his deal. I told her that I would just go ahead and refinance with her and she later offered me an interest rate of 3.375 %. I did not think much of this difference until I heard about the XXXX lawsuit against Wells Fargo a few days ago. Did XXXX try charge me more for some reason and I " lucked out '' when I called and got XXXX? 

I can not provide the interest rate XXXX quoted because it was VERBAL. Wells Fargo already knows my current interest rate. Since Wells Fargo has mastered the art of deception and misdirection, my guts tells me they will find a way to totally avoid this concern.
Consumer complaint received 2016-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.
Consumer complaint received 2022-02-08
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2020-10-16
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. (NY)

After reviewing my Credit report I found items that does not belong there. This will be my 3rd time writing the credit bureaus about these harmful accounts that are not Mine.
Consumer complaint received 2015-06-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (AR)

On XXXX/XXXX/XXXX, I purchased a used XXXX XXXX, from XXXX XXXX. The total price was {$32000.00}. Wells Fargo Bank picked up the loan for XXXX payments of {$670.00}. It was later switched to Wells Fargo Dealer Services. I have made XXXX payments for a total in excess of {$49000.00}, all the while receiving XXXX upon XXXX of harassing phone calls at all hours of the day, to every number I 've provided to Wells Fargo. I am charged at least an extra {$10.00} processing fee, for every payment. When I called today, to schedule the last payment, for Thursday XXXX XXXX, I was told that if I did n't make the payment by tomorrow, XXXX/XXXX/XXXX, I would have to surrender the vehicle. I do not get paid until the XXXX.
Consumer complaint received 2023-03-17
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. (IL)

To Whom It May Concern, Please be advised that I have received our computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2023 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me-not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2023 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-03-17
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. (TX)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # 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
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (FL)

I am writing to submit a Borrower Defense to Repayment application regarding the federal student loans I obtained to finance my education at the XXXX XXXX, a subsidiary of the now-defunct XXXX XXXX XXXX XXXX XXXX 

I enrolled at the XXXX XXXX in XXXX with the expectation that I would receive a quality education and that the programs offered would lead to meaningful employment opportunities upon graduation. However, my experience at XXXX XXXX XXXX was marred by deceptive practices that misled me and other students about the true value of the education we were receiving. 

The XXXX XXXX engaged in deceptive practices, including but not limited to : Inflating Job Placement Rates : XXXX XXXX XXXX misrepresented its job placement rates, leading students to believe that a higher percentage of graduates secured employment in their field of study than was actually the case. These inflated statistics were a significant factor in my decision to enroll in the program. 

Misrepresenting Program Value : XXXX XXXX XXXXXXXX misrepresented the value of its programs by exaggerating the skills and knowledge students would acquire and the earning potential upon graduation. These misrepresentations induced me to take on significant student loan debt to finance my education. 

In my final year, they advised they had a new loan product, the signature private student loan ( formerly through Sallie Mae ) which would allow me to complete the remainder of my classes and graduate on time based on their initial trajectory. 

As a result of the XXXX XXXX 's deceptive practices, I have incurred substantial financial hardship, and the education I received has not provided the promised benefits. I am now struggling to repay my student loans while not even being able to land a job in my field of study that could even support the payback amounts.