davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I am writing to file a formal complaint against XXXX XXXX regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$2100.00} However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my wet ink signature, which purportedly confirms that proper notification was sent to me.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: JPMORGAN CHASE & CO. (WA)

Please see the complaint in it's entirety that is the first attachment to this complaint. 
This Complainant filed a complaint with this agency. The Bank responded by making false and misleading statements which contradicted the written contract between us. It was clear, from their response, their investigations were based on assumptions rather than investigation. This agency relies on truthful statements from both the Bank and the Complainant. The original complaint was closed as a result of false and misleading statements submitted by Chase Bank. The Complainant has attached the written contract so that the discrepancies between the contract and the Bank 's responses based on that contract are clear. Complainant is having to file another complaint due to the escalation of issues since the last complaint was closed. Please see the details as outlined in the attachments below.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.
Consumer complaint received 2022-09-10
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. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. I filed a identity theft report theft.gov with the following account and XXXX is not removing it from my credit file. Ive been fighting many times with XXXX and its causing me to want to take legal action. 15 USC 1681 section 602A states I have the right to privacy 15USC STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT Without my written instructions. I did not open a XXXX account under my name and this causing me a lot of bad credit remarks for a new home. Please help me and remove this from my credit report
Consumer complaint received 2022-04-01
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. (NY)

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 because it is affecting my score negatively. 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 these items as soon as possible : 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 XXXX XXXX XXXX
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

My Phico score is being ruined by Experian who continues to resell information without my consent continues to sell negative information for profit will not remove them properly recorded information. There is a company that are dragging my score in the mud the companies are looking for. The information report it is not accurate this has reported several times over several years. Tons of information is being re-posted I am denied the opportunity to have it removed from my Files even if it is beyond the debt limitation statutes this constitutes extortion. My Phico score is being ruined by Experian who continues to resell information without my consent continues to sell negative information for profit will not remove improperly reported information. There is a company dinner tracking my score in the mud the companies are looking for. The information reported is not accurate this has reported several times over several years. Tons of information is being re-posted I am denied the opportunity to have it removed from my files even if it is beyond the debt limitation statutes this constitutes extortion
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Discover repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit report.
Consumer complaint received 2022-09-10
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. (AL)

I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of Labor/XXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX  and they would be able to place students upon completion of the degree. All this was a factor i n me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of LaborXXXX XXXXhrough Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX  XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially Regions bank and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. Department of EducationXXXX forgive debt of {$33000.00} as XXXX XXXX XXXX took advantage of me which resulted to predatory lending practices.
Consumer complaint received 2021-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have more than 60 days waiting for a response from the credit bureaus, because I have negative accounts that should not be on my credit report and inquiries that I did not authorize. I waited too long for the credit bureaus ' response.
Consumer complaint received 2021-02-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (GA)

I get denied for a Apple credit every time I try to apply. I spoke with someone last night XX/XX/20 about it I let them know that Im a victim of identity theft and XX/XX/XXXXwants me to try to get to a credit card to raise my credit score which is almost XXXX I just want to be able to get it raised. I dont need much financed thru Apple credit card just enough to prove I can pay what I owe if approved on time with no problems. Could you please help me
Consumer complaint received 2019-05-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PHH Mortgage Services Corporation (MS)

In XXXX XXXX of XXXX, an amount of {$1500.00} was added to the payoff amount of my mortgage. I was not notified of why these additional charges were made. In XX/XX/XXXX, I received late fee notice of {$510.00} to my now transferred account. These fees are overcharged amounts for late fees.
Consumer complaint received 2022-09-10
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. (AL)

I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of LaborXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX  XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor i n me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the XXXX XXXX XXXX XXXXXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXX Networking. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. Department of EducationXXXXXXXX forgive debt of {$33000.00} as XXXX XXXX XXXX took advantage of me which resulted to predatory lending practices.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX LA XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date XXXX : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer report immediately.
Consumer complaint received 2021-07-14
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)

Experian have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in  Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in XXXX
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (FL)

Last Tuesday, XX/XX/XXXX, I was making an ATM deposit at my local SunTrust 's drive thru. I put in two checks, one for {$1000.00} and one for {$960.00}, and the ATM read something like : ||Number of checks : 2 ||Number of checks read : 1 ||Total amount : {$960.00} ||Since one check wasn't read, I cancelled the deposit completely out of habit when this happens. The ATM spit out one of the checks, and made a lot of whirring and squeaky noises without the {$960.00} check coming out. The ATM said something like : Transaction cancelled. Thank you for banking with SunTrust. 

I called the SunTrust XXXX number while sitting in front of the ATM. They told me to talk to someone in the branch. 

I walked into my bank branch and talked to a customer service representative. She told me to email corporate customer support. 

I emailed customer support. They told me to call their fraud prevention department. 

I called fraud prevention. They told me to download a fraud incident report, fill it out, and fax it back to them. 

I faxed the report. I was notified as I did so that this may take up to ten days. 

This is an awfully long time to be missing that much money because of a blunder on the bank. My personal accountant told me to just ask my client for another check and cancel this " fraud claim '' investigation ( which the bank assures me it's being handled by the proper department ). I asked my local branch rep. She told me to not take any other action ( ask for a new check, cancel the " fraud investigation, '' etc. ) because it might inadvertently cause a returned check fee, for which they " would not be held responsible. '' I called yesterday, XX/XX/XXXX and asked for a manager to check on the status. I was told it's likely going to be another week before they have an " outcome, '' since it's ten BUSINESS days, which would be on XX/XX/XXXX. 

I've already opened my first credit union account. Honestly, at this point I want this situation resolved so that I can close my account completely and take my business elsewhere. I'm not hurting for the money at the moment, but it's an awful large amount of money to be sitting around wondering if they will find the check, or if it's been chewed up in the ATM and I need to ask my client to cut me another check, for which I'm positive SunTrust will not reimburse anyone the cost for a stop payment fee. 

After fifteen years of banking with them, it's always been underwhelming, but I wasn't in a great position to change banks until recently. After numerous sketchy overdraft protection fees while I was in college, the bouncing back and forth from a free to paid checking account without notifying me when it's converted back to paid, nothing SunTrust has ever done felt like they had me in mind.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of Labor/XXXX  through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX  XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXXXXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor i n me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of LaborXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX bank and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. Department of Education/XXXX forgive debt of {$33000.00} as XXXX XXXX XXXX took advantage of me which resulted to predatory lending practices.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

XXXX Act # XXXX -XXXX  Act # XXXX -XXXX XXXX Act # XXXX -XXXX XXXX XXXX Act # XXXX -XXXX  Act # XXXX -XXXX  Act # XXXX -XXXX Act # XXXX XXXX XXXX XXXXXXXX Act # XXXX XXXX Act # XXXX XXXX Act # XXXXXXXX XXXX XXXX Act # XXXX -XXXX XXXXXXXX Act # XXXX -XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX  Act # XXXX XXXX XXXX Act # XXXX XXXX XXXX  Act # 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