davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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: LEXISNEXIS (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. Account name : XXXXXXXX XXXX  XXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXXXXXX XXXX  Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right so 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. i did not give anyone written consent. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Also the credit bureau took more then 30 days to complete my investigation.

made a complaint to my attorney general, the XXXX XXXX XXXX XXXX XXXX XXXX & the federal trade commission ( FTC ).
Consumer complaint received 2020-08-18
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)

I reopened a dispute with Chase on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that the dispute was open, I called Chase on XXXX and spoke with disputes and they told me that the merchant has 30 days to respond. As of XX/XX/XXXX I still have not received a response from Chase. I called them at XXXX on XX/XX/XXXX and they are telling me that the dispute was closed and that they did not receive my additional info. I know that that is false because on XX/XX/XXXX I received a letter from Chase claiming they are still working on it. So I am getting conflicting responses. I have fax confirmations that the info was sent on XX/XX/XXXX I have a letter from Chase on XX/XX/XXXX but now they are saying its closed and can not tell me why
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

Ally Financial has been reporting inaccurate information to XXXX, XXXX and XXXX. All of my attempts to correct the reporting with Ally and all 3 credit reporting agencies has failed. Ally has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to Ally Financial on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
2nd Letter sent to Ally Financial on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to XXXX in regards to the above Ally account reported on the following datesXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof. 

Dispute with XXXX and XXXX sent in regards to the above Ally account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof.
Consumer complaint received 2020-08-19
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: EQUIFAX, INC. (FL)

I filed a dispute on XX/XX/2020 due to inaccurate information being reported on my credit profiles. The profiles have numerous inaccuracies that need to be resolved immediately. I have sent multiple letters to try and resolve this matter and have yet to have them acknowledged. I would like for actions to be taken as it has been well over 30 days since my initial dispute. These companies have not been complaint with the Fair Credit Reporting Act, and must be held accountable for there actions.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

Consistently putting in checks for withdrawal at XXXX at night, notifying me on texte alert at XXXX around XXXX or so the account is overdrawn. I then immediately either deposit that morning or transfer at around XXXX and then charge me an overdraft twice this has happened. the total is now {$72.00}
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AL)

For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that FedLoan Servicing was reporting a loan with a XXXX  balance and an $ XXXX  monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX  in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX  balance require an {$810.00} payment. I tried fixing the problem with FedLoan Servicing about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AL)

There are several inquires on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Experian. Experian has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Experian to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Experian have failed to provide me proof that I authorized these inquires. Experian has also failed to remove these inquires from my report as they were not authorized by and are now FRAUD inquires. 
XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XXXX XXXX, XXXX Date : XX/XX/XXXX
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

I reported XXXX accounts that are showing up on my credit report with Experian. Both accounts were investigate by Experian with a final notice posted on my credit report for XXXX public records as : This item remained unchanged from our processing of your dispute in XXXX 2017. 

I would like to know the method of validation Experian is using for these XXXX public records, including the name of the company and person they are confirming this information with. They are not taking the necessary lengths to verify inaccurate information on my credit report and it is causing me financial harm.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I requested my credit report from at XXXX and on the report from Experian there are many creditors that I do not recognize and also there are several adressess that do not match mi personal data. The other reports that I received from XXXX and XXXX are correct.
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file XXXX10 years. did I ask how long it stays on? No I did n't. I have already complained to the XXXX for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Experian reinsertion : XXXX XXXX
Consumer complaint received 2016-10-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

In reviewing the fraudulent truth in lending statement from Ally Finance, it appears that the lender was receiving kickbacks on the interest rate. Whomever was paying this enormous payment deserves some sort of restitution as Ally really raked them through the coals. Obviously, they did not pull my credit report because I had a fraud alert and freeze. I am wondering if they pulled anyone 's credit or simply stuck a unreasonable rate. They need to be held accountable. They have gotten away with so many dishonest things it 's ridiculous. The truth in lending states there is gap insurance on this automobile. Why would one need gap insurance on a brand new automobile if it were factory to dealer pricing unless the purchase price were jacked up? I am lucky this is not my loan. But whoever did take this deserves to be compensated because Ally totally charges them a massive rate and doubles the price of the vehicle. Who would agree to pay XXXX for a XXXX? you can have a XXXX for that amount of money. Ally financial are crooks and they better remove their fraudulent account from my report. If it is not fraudulent and if you did not know that, why wo n't you produce the documents. Because you know it is fraud. I never made payments to you and here you have quite an extensive payment history, Your reputation definitely has been earned.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

Several months ago I opened an account at the US Bank XXXX XXXX XXXX, AZ on XXXX XXXX. I was told that I would have a maintenance fee free account if I had a direct deposit. I knew that I was getting my SSI check in several months, so opened the account. There is a variety of banks in the area, chose this one for location convenience but would not have opened the account if I had been told that the direct deposit had to be over XXXX dollars. I started getting my SSI checks, asked the bank to correct the charge and then was informed that it was n't going to happen. I feel that the representative lied to me knowing that I would not have opened the account if I knew that there would be a fee and that once the SSI check was direct deposited, it would be too complicated to make changes to another bank.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name changed due to a divorce over 10 years ago ( and Ive legally had it changed back to my maiden name right after the divorce was finalized ). Equifax is the only credit bureau that doesnt seem to have anything correct on terms of anything in the past 10years. I have faxed, mailed and spoken to them so many times it is becoming emotionally exhausting. I have confirmation numbers and correspondence to show this. They need to get it together. HELP! Thanks.
Consumer complaint received 2023-02-06
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. (GA)

On Wednesday XX/XX/2023. 

I contacted all three credit agencies, XXXX, XXXX, and Equifax. I realized that there are credit inquires on all three of my credit reports that I did not authorize. 

XXXX was the only Agency that removed the unauthorize credit inquires.

Credit Inquires that I did not authorize and should be removed from my XXXX XXXX and Equifax are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-25
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. 

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 an account without my written instructions I have asked for verification of contracts or relationship with these companies and Equifax is unable to provide such evidence.
Consumer complaint received 2023-04-13
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: Paypal Holdings, Inc (PA)

As a victim to identity theft attached paperwork that was effected by my primary physicians office and victim of credit wise identity theft after proven these paperwork stoll have these inquiries from all these seven companies stated above and need this based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-09
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. (LA)

I sent letters off on XX/XX/2022 ( tracking # XXXX ) to remove personal information that i dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to15 USC 6802. No financial institution is suppose to share my information to third party people. THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (IL)

I was accessed annual fees on an inctive USBank credit card. I had XXXX and was in XXXX for 3 months when they were sending the notices. But USBank was sending the statements to the wrong address and have my wrong mailing address and name. They reported 30 and 60 day late payment to the credit reporting agencies which has harmed my credit. I have followed all procedures to have the negative information removed from my credit report and USBank is refusing. this was all over a annual fee on a credit card I did n't activate.
Consumer complaint received 2015-11-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (NY)

On multiple occasions, emails and phone calls were placed re the modification review. No regard or courtesy acknowledgment was received regarding the status update. The medication review was denied. 
XX/XX/XXXX2015 : Faxed the Modification Package XXXX. Confirmation of receipt of XXXX pages was emailed XXXXXX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/XXXX2015 : Emailed XXXX requesting confirmation of receipt and status update of the modification review. No ResponseXX/XX/XXXX : Faxed the Modification Package to Selene Finance XXXX. Confirmation of receipt below : XX/XX/XXXX2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully Sent XX/XX/2015 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/2015 : Left voice message ( XXXX XXXX XXXX regarding the modification review. No follow up call returnedXX/XX/2015 : Left voice message XXXX requesting update on the modification review. No follow up call returned. 
XXXX/XXXX/2015 : Emailed XXXX XXXX requesting update on the modification review. No response returned. 
XXXX : Spoke XXXX, he stated he has n't heard from your client, he will follow up with them and get back to me. Sent a follow up email XXXXXX/XX/2015 : Sent email XXXX notifying them of the numerous calls and emails sent to their attention. Not one courtesy email or call was returned. 
XXXX/XXXX/2015 : Received modification denial letter advising case was closed out due to no or lack of documentsAt one point, during the modification review, your firm was under the impression that our client, XXXX was applying for a short sale! Please explain. 
XXXX/XXXX/2015 : Spoke XXXX- discussed the lack of communication and empathy during the course of the modification review. Per XXXX request, I emailed the denial letter for his review. Currently waiting for update ... 
XXXX/XXXX/2015 : Sent an email XXXX re the concerns of the denial letter. Requested status updateXX/XX/2015 : Faxed Appeal letter to XXXX. Emailed the appeal letter XXXX. 
XX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX Successfully SentXX/XX/2105 : XXXX confirmed receipt of the attached appeal letterXX/XX/2015 : XXXX XXXX emailed the same denial letter in question. No update on the modification review.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (IL)

When Harris and Harris called me, they did not tell me who they were and why they were calling. They asked for all personal information, I give them my name and number and asked " what was the reason for this call? '' The girl told me " I can't tell you that until you verify your identity. '' I said " you never told me who you were? And I don't know if this is a spam call '' and she said " I can't tell you until you verify your info '' so, I hung up. 9 days later a I received a letter from Harris and Harris. I contacted them 3 times within my 30 days about this debt. They have never called me back or emailed me back regarding a debt. I know after the 1 st initial call, they have 5 days to send me a letter and it's was 4 days past due. I asked them to forgive the debt since they haven't made any contact with me since XX/XX/2022.