davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (CA)

On XX/XX/2021, an annual membership fee of {$140.00} was posted to my account. On XX/XX/2021, I received an email notifying me of a statement generated. On XX/XX/2021, I called to cancel the credit card and to have the {$140.00} annual membership fee charge reversed because I did not agree to the {$140.00} charge. Representative refused to reverse the {$140.00} annual membership fee charge.
Consumer complaint received 2020-06-01
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: WELLS FARGO & COMPANY (PA)

On XX/XX/2019 I closed a Wells Fargo credit card. 
I found out recently when i went to refi that Wells Fargo did a write off for XXXX that caused my credit score to drop 100 points. I've always had an excellent credit rating. I didn't even know there was an outstanding balance. 

I contacted Wells Fargo saying i don't know what this transaction is they wrote off. they investigated it as fraud and determined it was not fraud and closed the investigation. they indicated that on the card i closed, i did a XXXX cash withdraw from the card and put that into my checking account. That transaction had a XXXX fee and then interest. I failed to pay the balance over a course of several months and they wrote off the balance. They said they sent me hard copies of the statements. I do not pay attention to my postal mail. I have all of my Wells Fargo accounts set to electronic delivery. I never got anything electronically. In addition, the account did not display along with my other Wells Fargo accounts. If it did, I would have seen the open balance. I have over XXXX in my Wells Fargo accounts. Why would I have ignored a XXXX balance. Plus, if Wells Fargo actually looked my my transaction history, I do not do cash withdraws from credit cards. Any why would i do a XXXX that has a {$10.00} transaction fee. I then went to Wells Fargo branch and they escalated to another group. That group reviewed my situation and said they would remove the late fees and the XXXX transaction fee. I went up to Wells Fargo and paid the {$27.00} balance immediately only to find out that they would not change the credit entry. The rep at the branch will send me some documentation. He says he can see a sequence of events on the card. I cleared my rewards points totaling almost {$100.00}. then the {$27.00} transaction then the closure of the account. All on the same day. If i did this {$27.00} transaction, I did it by mistake. I probably grabbed the wrong account to do an online payment. they are penalizing me severely for something that truly is a mistake on my side or theirs. I do not recall getting any hard copies of the statements. The account did not appear on my online banking. I'd like to find a way to reverse the credit rating so i can pursue refinancing as i planned. Refi can save me {$150.00} a month at my good credit score. the banker i work with was just as surprised as he worked with me 6 months ago and new what my credit was high scoring. any help is greatly appreciated. 

I've attached some documents the agent at Wells sent me. I absolutely do not recall the past due letter.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

We built up our reward points with our Chase Visa card and used our points to purchase an airline ticket for our daughter, who lives in XXXX, XXXX. The value of the roundtrip ticket was {$840.00} or XXXX points. The flight was booked through Chase Rewards Travel on XXXX XXXX for XXXX to XXXX XXXX with a travel date of XX/XX/XXXX. Two weeks before the flight the U.S. implemented travel restrictions due to Covid 19, resulting in the flight being cancelled by XXXX XXXX. 

Between the time we booked the travel and the actual travel date, Chase Bank cancelled our checking, savings, and credit card. We received a letter in the mail from Chase Bank that gave no reason for the cancelling of our accounts. When I called and talked to a supervisor, I was told they couldn't release that information. A couple of months after the flight was cancelled I began to call the Travel Rewards department to get our refund. I explained we no longer had an account because Chase cancelled our accounts. Despite explaining this to them, on XX/XX/XXXX they attempted to credit the XXXX points back to an account that was closed. I received a letter from Chase Bank explaining the refund didn't go through, but the other option was to send us a refund check. 

I called Chase Travel Rewards later in XX/XX/XXXX to ask them to send a refund check. They updated our address and confirmed they had received a credit back from XXXX XXXX and that they would send a refund check of {$840.00}. I received an email on XX/XX/XXXX confirming our address had been updated and a check request had been submitted. The letter stated the timeframe would be 6-8 weeks with an additional 1-2 weeks due to the new year. 

By XX/XX/XXXX I had not received the refund check so I again spent hours on the phone with Chase Travel Rewards. After 3 hours on the phone, a supervisor apologized for the situation and expedited another refund check request. On XX/XX/XXXX I received another email confirming a refund check had been submitted and it would take 8-10 weeks to process. By XXXX I had not received the refund check. 

On XXXX, after hours on the phone with Chase Travel Rewards, I spoke to a supervisor who apologized for the situation and said she was sending a note to the offline team who processes the check. I was told I would hear from them within 5 business days. I did receive an email from the offline team saying they were too busy to help me and that I should call customer service.

I believe Chase Bank intends to send us our refund check, but for some reason they have been unable to deal with processing the check. I intend to take Chase Bank to arbitration or small claims court if I can not get this resolved in the next 4 weeks.
Consumer complaint received 2019-11-12
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. (NJ)

I have been disputing items on my credit report that have already been removed but, It seems like my process has been delayed constantly. Its been months on sending a countless amount of letters to the credit bureaus to make them aware of these accounts that should be removed.
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I 've been in repayment of my loans since XX/XX/XXXX with Fedloan. In XX/XX/XXXX of this year ( XX/XX/XXXX ) I enrolled in a XXXX degree and applied for loans. Once my new loans were instated, fedloan, automatically deferred my previous loans. I called them immediately on XX/XX/XXXX when I realized this had been done and I requested it be reversed as I want to continue paying my loans. They told me I have to sign a waiver and I requested they send it to me right away. Today is XX/XX/XXXX, I still have not received the waiver, despite 5 more conversations with Fedloan. I am told that once I do receive and submit it to them it will take another 7-10 days to reinstate it. In the meantime I am accruing interest at the full rate instead of the rate discounted .25 % for having automatic debit through them. I never asked for my loans to be deffered and they are being extremely unhelpful in allowing me to repay my loans.
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCB Investments LLC (FL)

XXXX XXXX XXXX I HAVE NEVER EVER RESIDED, IN ANY OF THEIR PROPERTIES, THIS IS CAUSING MAJOR, DAMAGE, I HAVE TRIED TO REACH OUT TO THEM, THEY HAVE SENT ME PAPER WORK, THAT IS NOT MY SIGNATURE, MY HOME WAS BROKEN INTO, IN XX/XX/2010, I lived in assisted living, XXXX charities, Building, my income was {$720.00} a month, I do not know location of said property I do not know address, This debt is fraud, I have explained that to them they stated the would take my XXXX checks, I am XXXX XXXX Veteran, in a XXXX XXXX suffering from XXXX, AND XXXX, PLEASE HELP, they call and say XXXX XXXX you owe us XXXX I told them do not call anymore, they told me they have the right to call for this debt
Consumer complaint received 2020-11-15
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. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Consumer complaint received 2020-08-26
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. (AR)

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our report since we first found out 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. XXXX XXXX {$6300.00} XXXX  XXXX XXXX {$400.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX {$460.00} XXXX XXXXXXXX XXXX {$400.00} XXXX  XXXX XXXX {$10000.00} XXXX  XXXX XXXX {$990.00} XXXX XXXXXXXX {$4800.00} XXXX   XXXX XXXX {$400.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX   XXXX {$390.00} XXXX XXXXXXXX {$390.00} XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$710.00} XXXX XXXXXXXX {$400.00} XXXX XXXX XXXXXXXX {$31000.00} XXXX XXXXXXXX XXXX {$2200.00} XXXX XXXX {$320.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$15000.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$830.00}
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

XXXX has added a bill, a cell phone to my bill, I have never ever, had a XXXX cell phone, I have A XXXX  PHONE AND SAME NUMBER FOR OVER 6yrs, I have disputed, on credit bureau, I have disputed, it in writin, Zi have asked the to validate the debt, they said it was done over the phone, I am an XXXX Veteran XXXX, On a fixed income, they call, I explained to them, that I have no knowledge of this debt, and please stop contacting me
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (DC)

XXXX of XXXX put me into a predatory loan when I bought a XXXX XXXX in XXXX. The loan was to run for 6 years and $ XXXX. Early this year I entered into a settlement agreement with Santander, the loan on the car, that releases them from any liability. As part of the settlement agreement I pay {$390.00} every month, and they reduced the amount owed on the loan. Santander 's legal department and I signed the settlement agreement, and I would send the settlement payments to their XXXX department. I have not missed a payment or been late on any of my payments. Santander violated the settlement because they have been reporting me to all 3 credit bureaus saying I have been delinquent on the loan. I no longer have a loan, because I settled for a reduce amount. I have XXXX XXXX and I am unable to get a job because it ruined my credit rating. This is causing me physical stress and making me more sick. Santander violated the agreement when they reported me to the bureaus after we reached the settlement. It 's unfair that Santander does n't have any penalties for violating the agreement, when every other consumer would. They are treating the legal settlement agreement as one sided which is illegal.
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XXXX of 2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XXXX of 2018 a credit limit was granted, in XXXX of 2018 a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XX/XX/2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XX/XX/2018 a credit limit was granted, in XX/XX/2018 a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

There is a delinquent payment posted to my credit report for my NAVIENT account ; however, this was the fault internally of NAVIENT when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from NAVIENT regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my NAVIENT account. From when XXXX XXXX was the servicer back in XX/XX/XXXX This was when I was still in rehabilitation and determined to be 23 % XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late 0/0/1 appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of Navient and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and NAVIENT Refuses to remove it. They hang up on me every time I try to talk to them about this.
Consumer complaint received 2022-11-20
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 recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. XXXX is reporting late payments on several accounts : XXXX 's XXXX XXXX XXXX loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave XXXX written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.