davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-11-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (AZ)

On XXXX of 2022 I reviewed my XXXX credit report and noticed a closed collection account from a company referred to as CARFINANCE. I immediately wrote a dispute letter to the company and credit bureau XXXX, requesting validation of the debt. 

Since then, more than 30 days have passed and yet no response from the company has been received. Instead, in XXXX of 2022 I received an alert on my XXXX report of the CARFINANCE account being re-opened and a balance of XXXX reporting. I do not recall owing this debt from CARFINANCE and their lack of communication has caused great damage to my financial situation. 

CARFINANCE has violated my consumer rights by ignoring my requests to validate this debt. There has still been no attempt from CARFINANCE to validate this false debt.
Consumer complaint received 2022-01-05
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. (TX)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury & this has caused deformation of character & has hurt my ability to obtain credit.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CL Holdings LLC (GA)

I just noticed in an email from XXXX XXXX that there's this collection on my credit report. I would like this to be removed from all 3 agency. I have never signed nor have i applied from a XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX when this card was open, I have proof. Which i will be attaching a police report. I couldn't XXXX  or XXXX or XXXX  nor hold a pen in my hand. I didn't sign nothing or provided my information to be used by no one while XXXX XXXX XXXX XXXX XXXX. I had to have help XXXX  myself. I would like this remove from my credit report. I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also had other credit cards as well student loan for over {$80000.00} and XXXX card and Bank account in my name that's has been removed after receiving the police report as well my doctor hospital papers. Please Remove from my reports Thanks as Well I attached hospital paperwork in XXXX file. I XXXX XX/XX/2020, and I shouldn't have to go through this process on the count of Fraudulent cards and student loans open up in my name. It still feels like I'm in the XXXX dealing with these companies of removing fraudulent things.
Consumer complaint received 2022-11-18
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CO)

I went through online, on phone, and in person visits to open a business checking account, and funding via a paper form process. Over the last several months, I can't get any access to my account other than passively viewing online : no ability to transfer money in or out, no way to updates settings or information online, no debit card. I have spoke with customer support online, on the phone, a customer survey support person, tellers in person, and business account managers in person. Each one says they can't fix the problem, and say to contact someone else. Now I am receiving service charges and sales tax fees on my account that I have no access to. There are reported names and addresses on the account that I didn't approve and seem to be fraudulent. Again, no one on the support teams can provide help, credit the wrong charges, or solve any issues while I still don't have access to my account.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF THE WEST (CA)

XXXX XXXX The Bank of the West has been charging my account {$70.00} USD per transaction for insufficient funds fees. I don't have any such agreement and I believe this is unfair debt collection practices. They have already been told to stop charging extended overdraft fees also. Because the Bank had a merger and I feel like they are trying force me to close my account. I was charged due to a banker errors, but instead of fixing it, they reported me to XXXX XXXX. I want them to be fined for everyone they are taking advantage of during the recession.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MD)

Under the Federal Fair Credit Reporting Act, I would like to file a consumer complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX FL XXXX. 

On XX/XX/2022 the Synchrony Bank denied my online credit application and stated it was based on low XXXX  score and credit history. I pulled from XXXX XXXX on the same day to check for accuracy. My credit and XXXX score did not match what Synchrony Bank letter. The bank has pulled false information unrelated to my credit. My credit history and score is above average/high. 

Please investigate Synchrony who should not be in business. 

XXXX XXXX XXXX
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

I dispute Shellpoint reporting of the above loan as late to the credit bureaus starting with the month of XXXX, XXXX and XX/XX/2021. Shellpoint contends that the protections of the CARES Act expired XX/XX/2021, if the loan was not in active forbearance and would therefore be reported as delinquent. Shellpoint has NOT addressed the fact that I entered a repayment plan prior to the expiration of my forbearance plan and have made all payments according to the schedule set out in my agreement.
Consumer complaint received 2022-11-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.
Consumer complaint received 2022-11-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I went to XXXX XXXX from XXXX and during that time they took out private student loans ( instead of federal ). And then I went to another college to pursue a 4 year degree and in that time my loans from XXXX XXXX ballooned into roughly {$50000.00}. I'll be paying on these loans for the rest of my life at this rate. Now the US Department of Education is discharging all of the XXXX Federal loans but not the private loans- doesn't seem fair to me. I want my XXXX XXXX Private loans discharged.
Consumer complaint received 2022-11-17
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 a account without my written instructions
Consumer complaint received 2020-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Dear Mr.or Madam : I did complain but i think i did not explain. Here is what happen the company portfolio recovery associates bought the debt from XXXX XXXX. So i told them i paid to XXXX XXXX  XXXX. but they do not believe. I sent the check copies they say is not enough. This is why i want complain to XXXX XXXX XXXX. ( XXXX XXXX  ) thank you.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I was minding my own business, studying in the library at my college last Thursday, XX/XX/XXXX, when I get an email from Chase at XXXX pm saying, " We sent your wire transfer. '' I was surprised by this because I had never sent a wire transfer nor even set up the service that allows you to do so. I logged onto my banking app to make sure this was legitimate and saw that there had, in fact, been a {$900.00} transfer from my savings to my checkings and then a wire transfer from my checkings of {$630.00} ( with a fee of {$40.00} ). I find out that the wire template had been activated on my account an hour prior with Chase 's secure message center reading, " You are now able to send a wire transfer to XXXX XXXX. '' I panicked and called Chase immediately. When connected, I was asked a series of questions asking. I admitted only to using public wifi. I had never willingly given out my banking information to anyone besides my parents. They proceeded to freeze my account and promised to call me back the following week. I received no correspondence and decided to follow back on Wednesday, XX/XX/XXXX. I was told then that during their investigation, Chase found no evidence of fraud since the transfer was completed using no unrecognized devices and was at my same IP address. I kept trying to appeal, providing them with more information like my login history, that my computer may have had malware on it that compromised my online information, and they kept redirecting me to other departments and ignoring my plea. I didn't know what to do but go to an outside party to intervene.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank abruptly closed XXXX new checking accounts that I opened in XXXX. They blocked XXXX incoming deposits and then partially funded checks I wrote on the account and blocked others from going through. 

They blocked my on-line access and gave me no reason for the block. 

They blocked access to a credit card also issued by Chase and I have been unable to make payments. 

A payroll check was deposited, and I can not receive the funds from that payroll check. 

I do not see any justification for these actions. No transfer or other transaction was fraudulent and the lack of communication from the company is frustrating. 

This situation has existed for over XXXX  months and XXXX credit card payments have been missed.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IN)

I have sent certified mail to all XXXX credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response back was that they do n't have any information that pertains to me or my ssn. They also state that they do not supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail showing that this was in fact not my account and requested that they remove this account. They have yet to update my credit they fail so far to remove this account and experian wont allow me to dispute anything else with their company. I have went to my local police filed a report about my identity theft like the credit bureaus have asked me to do. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case. 

I have attached the second letter I have sent them and a copy of my police report.
Consumer complaint received 2016-07-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

Please read my attached hardship letter for more clarity and details. 
Original Balance : {$27000.00} Disbursement Date : XXXX/XXXX/2004 Balance after capitalization post default was over $ XXXX. 
Current balance 11 years later : {$34000.00} Rate : 9.5 % = Predatory Loan
Consumer complaint received 2017-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I am writing to dispute the reporting of a > 60 day late payment to credit bureau  XXXX  for my unsubsidized loan, sequence  XXXX , disbursement date  XXXX / XXXX / XXXX . This unsubsidized loan was paid in full  XXXX ,  XXXX .     I spoke with  two   AES repr esentatives and a   XXXX   representative regarding a > 60 day late payment reported to  XXXX  in  XXXX  of  XXXX . After a detailed review of the accounts, the following was determined : In a phone conversation on  XXXX   XXXX ,  XXXX  with  XXXX  representative  XXXX , she stated  XXXX  records sho w AES  reported a > 60 day late payment in  XXXX ,  XXXX  but did not specify a specific payment that was late. My credit report requested in  XXXX ,  XXXX  also indicates a > 60 day late payment in  XXXX ,  XXXX . Additionally, a review of my credit report requested on  XXXX   XXXX ,  XXXX , does not indicate any late payments on my  AES ac counts in  XXXX .   However, in a phone conversation in  XXXX ,  XXXX  with  AES re presentative  XXXX   ( ID  #  XXXX   XXXX ,  AES rec ords indicate a > 60 day late payment in  XXXX ,  XXXX . No notice was provided to me in  XXXX  or  XXXX ,  XXXX  that I was late on a payment.   I applied for automatic payments using direct debit in  XXXX ,  XXXX  and was approved for automatic payments through direct debiting on  XXXX   XXXX ,  XXXX .   Automatic payments began on  XXXX   XXXX ,  XXXX  to  two loans, s equence  XXXX   (   Unsubsidized )  and  XXXX   ( Subsidized ).    According t o AES repr esentative  XXXX   (  ID #  XXXX   ), AES recor ds indicate their automatic payment system did not apply the correct amount to loan sequence  XXXX  in  XXXX  and  XXXX ,  XXXX . These payments should have paid off loan sequence  XXXX  in full but they did not. As a result of the error in AESs automatic payment system, AES recorded a delinquent payment. However, the erroneous late payment was not reported to   XXXX   until  XXXX  of  XXXX .     As shown in the payment history and acknowledged by  XXXX  a n AES repres entative, the automatic payments for  XXXX  and  XXXX ,  XXXX  were not applied properly at no fault of myself.  XXXX  was to note the system error in the database and forward to the credit review team for correction. I followed up on  XXXX   XXXX ,  XXXX  with  XXXX   (  ID #  XXXX  ) who acknowledged the notes had been made but no further action had yet been taken to correct the error.     Complicating review of the circumstances was the timing of the > 60 day late payment report, which came many years after the alleged late payment. This has made a review of the circumstances extremely complicated and onerous on me as the consumer and further calls into question the accuracy of a late payment.     I am in the process of trying to secure financing for a home mortgage and the delinquent payment has impacted my credit rating and increased the cost of my home loan.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (UT)

On XX/XX/2021, I made a payment on my XXXX credit card ( provided through XXXX XXXX ). I had intended to pay the minimum payment plus the late fee ( I was paying 2 days late ). The payment amount was intended to be {$100.00} but it was processed for the statement balance {$1100.00}. When I called to ask for a partial refund they said because it was not an overpayment they wouldn't refund my payment. The refund would not have put my account past due and would have still been more then my minimum payment.
Consumer complaint received 2016-09-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, There was a unauthorized bank withdrawal transaction to my account and after the fact my direct despoit check ; from my XXXX Job is gone because the bank says I owe them money. Please help me get my XXXX plus dollars back.
Consumer complaint received 2022-11-17
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)

I have been the victim of identity theft where all or part of my personal identifying information has been used to establish credit without my knowledge. I have identified several fraudulent accounts on my credit reports and have since frozen the reports, added fraud alerts and filed disputes. 

However, I am having difficulty in dealing with XXXX and Equifax blocking the fraudulent accounts from my report. Every time I contact them and provide the information necessary they just place the accounts back into dispute status and later claim they verified the account is correct. Both XXXX XXXX and XXXX have removed the accounts. 

However, I have been in touch with the creditors and forwarded them copies of my identity theft reports and identifying information and was assured the accounts would be removed from my report. I don't know what to do at this point as I am being stonewalled by these companies that continue to maintain fraudulent accounts as if they were mine. 

I am reaching out to the CFPB for assistance in getting this resolved. 

The accounts are : XXXX ending in XXXX XXXX  ending in XXXX XXXX  ( XXXX XXXX  ) ending in XXXX Also some of these accounts have addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attached documentation from creditors as well as ID Theft Report and personal Identification are attached.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I need to get a fraud alert -- that had been placed on my credit file by   XXXX   4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 wee ks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my  XXXX  credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact   XXXX   to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit report  ( not make any edits/remove fraud alert ). I called 3  other   XXXX   phone numbers -- all went to automated systems with no option to speak with an   XXXX    representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for  XXXX . I would like to get this  XXXX  fraud alert removed so that  XXXX   XXXX  can process my credit card application.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (NY)

The debt collector ( XXXX XXXX XXXX XXXX XXXX ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond.