davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

I already tried making a complaint so there may be nothing Chase can do but I wanted to make sure-I recently paid two XXXX payments XXXX {$350.00} to someone with the XXXX username of XXXX. These turned out to be scams that did not need to be paid, though at the time I thought they were necessary since the receiver said they were bank fees that needed to be paid in order for me to receive a large amount of money from them through XXXX. They sent me emails that looked like they were from XXXX  as proof that these fees needed to be paid, but these emails were also a scam. I have attached a picture of one of these emails. 
Chase already said there was nothing they could do, but I wanted to make sure that there is no way I can be reimbursed since I was scammed unfairly. 

Also, I was sent a letter based off my previous complaint that said that some of the information suggests that someone other than you may have submitted the complaint without identifying themself. I can confirm this is not true and that I am myself, and I am not sure why that was sent. 

Thank you, XXXX
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IN)

I requested a refund for my student loan payments. They told me it will take 150 days to process that refund. This is after the deadline for student loan debt cancellation. So they are essentially trying to get out of having my refund cancelled. This is ridiculous.
Consumer complaint received 2022-08-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX CO 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 2022-07-30
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX the accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.
Consumer complaint received 2022-09-01
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: CITIBANK, N.A. (CA)

XXXX XXXX ( she uses multiple different last names ) of XXXX used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both XXXX and XXXX. I believe my record on XXXX is clean. 

On XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.
Consumer complaint received 2022-07-30
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. (TX)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX Balance {$470.00} ; XXXX XXXX XXXX In XXXX XXXX {$67.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$120.00} ; Original : XXXX Balance : {$88.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$100.00} ; XXXX XXXX XXXXXXXX ; 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. (NY)

n accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2019-11-28
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. (FL)

identity thft victim. incorrect info on report XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  usa/XXXX  XXXX  XXXX XXXX.XXXX. XXXX reporting late payment in XXXX. ( i was never late )
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

Attempted to access my Equifax consumer FILE via annualcreditreport.com but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE from Equifax. Attached is my proper identification and error message. I demand a response from you within 15 days upon receipt of this complaint.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (IA)

Over the past 2 years I have experienced multiple instances of fraud on my account and consistently receive differing stories on how to resolve the issues. 

XXXX I received a text message and call from Ally Bank 's phone number ( the number that matches the back of my card ) to confirm if I had authorized a set of recent transactions, I had not so I followed the automated system to press 1 to speak to a representative. At one point the call is disconnected. I call Ally Bank back, they have no record of the transaction and indicate it was a fraudster calling. They then get me over to the fraud group and we put my XXXX payments on hold as someone was trying to send money to themselves. They then get me setup on a new card, cancelled my old one, and advise I should call Ally Bank directly next time I have any issues. They assume me that no valid XXXX transactions will be impacted by this. 

XXXX I was sent an incoming XXXX transaction that was declined with no notification to me or the sender. 

XXXX called Ally and they not only told me there was no issue, but then discovered there was a hold which they refused to remove and wouldn't give me a timeframe. 

XXXX The hold was successfully removed. Now, during this process outside of calling no actions were required on my end. 

XXXX More fraud on my accounts, my debit card is closed and they are resending me another card. Never had to do anything but speak with Ally over the phone. 

XXXX I get a text asking if I authorized a transaction, to which I reply " No. '' This prompted a call from Ally bank which I disconnected given my previous encounter. I then called the bank back and they said " The fastest way to resolve would have been to accept the incoming call. '' Then proceed to tell me that they will send me a new card but I have to wait until the fraudulent transactions post then dispute them myself. I have NEVER had to do that, not ever. Then I asked to speak with a supervisor who said she has been with the company 10 years and it's always been in the deposit agreement, yet again earlier this year when I had this happen I didn't have to file any disputes. 

I do not feel Ally is doing what they can to protect or educate customers, this is the 3rd time in a year that my card has had fraud, I've never had this many issues with a bank before and it has only began being an issue in the past 2 years or so. Their customer service isn't educated on what actually will happen or the processes, they don't provide accurate information, and I am entirely dissatisfied with their approach to protecting customers.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

in accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXunknown amount XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXunknown amount XXXX XXXX XXXX XXXX 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 an account without my written instructions
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDXXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have 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
Consumer complaint received 2019-11-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Today XX/XX/2019 I received a message that one of my credit cards ( XXXX XXXX ) is over the limit.this information is incorrect the card is not over the limit. XXXX XXXX sent me this message. I tried to get online to dispute this wrong information with XXXX but they wont let me online it kept saying error message and not able to complete my dispute. Having this wrong information has dropped my credit score.
Consumer complaint received 2023-03-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AZ)

I have been paying on a loan that was originally for {$8000.00} at {$820.00} a month for almost 3 years now and my balance is no closer than the first day from being paid off. I would like to find out my rights and have the interest rates looked at after reading that title max has been practicing illegal interest rate practices. They keep charging me insane late fees and threatening to repo my vehicle
Consumer complaint received 2022-09-01
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. (NY)

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX performed hard inquiries on my consumer 's report without my consent.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I am currently paying PMI on my house. Mr. Cooper -- my loan servicer -- told me that PMI would be removed ( at my request ) once I had paid off 20 % of the loan. In fact, XXXX XXXX, who currently holds the loan, lists that as the necessary requirement for having PMI removed. 

When I hit 20 %, I immediately contacted them. I was told the house needed to be appraised again ( this is NOT a requirement by XXXX XXXX -- they say it can be based on the original value ). Regardless, I went ahead and said yes. I was told an appraiser would contact me. 

The appraiser never followed up. I contacted Mr. Cooper today and was told my loan was reviewed and there decision was to not remove PMI. This was based on " no evidence of substantial improvements. '' I was never informed of this decision. I was NEVER asked to show any evidence of substantial improvements or show any documentation. We have made significant improvements on our home. Even with that aside, we have still paid off 20 % of the original price so there's no reason we should have PMI on the loan. At this point, Mr. Cooper is charging me and having me pay money for something I shouldn't be paying.
Consumer complaint received 2022-07-30
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. (TX)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry Date XXXX
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I have received notice from Transworld Systems Inc. that I owe a debt that they can not verify I owe. I have on multiple occasions requested proof of debt, and have had no luck in correspondence from them about the debt ( See attached images ). I have not received emails verifying the debt, or any correspondence proving I owe this debt.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (FL)

Based on my previous report : XXXX, Equifax stated that they modified certain accounts and verified others. I did not ask them to modify anything. Furthermore, how can you modify or verify any of the accounts if a proper and unbias investigation was not complete. 

And if a proper investigation was complete, I want documented proof of conversations, which by law, should be held with family members, associates etc who know, me personally the consumer. 

If no such proof can be furnished I am now DEMANDING that these accounts be removed : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  XXXX DP OF EDUC : XXXX, XXXX ( two accounts with different information ) Once again, the laws are clear : 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 : states a consumer reporting agency can not furnish an account without my written instructions & Lastly, 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. And for the mere fact that I do have the right to privacy and there is no proof of written consent from me the consumer to have these accounts published. Shows blatant violation to my rights based on the FCRA. 

Thus far, I have listed three laws that were violated.
Consumer complaint received 2022-09-02
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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. 


XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc. (WA)

I entered into a consumer credit transaction with Carmax Auto XXXX XXXX XXXX XXXX  on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 us 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Carmax Auto XXXX  XXXX XXXX XXXX took cash in the amount of {$2600.00} as a deposit. The Finance charge is suppose to include insurance, but Carmax Auto XXXX XXXX XXXX XXXX made me purchase insurance separately. My consumer rights were violated.
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. ()

In accordance with Fair Credit Reporting Act : Account Name : XXXX  XXXX, Account Number : XXXX has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-02
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. (OH)

In accordance with the Fair Credit Reporting act 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 2022-08-31
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 recently found out I have been a victim of identity theft, someone stole and fraudulently used my information to open accounts without my permission and knowledge. The following accounts are sed accounts opened under a fraudulent application. 
On XXXX : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX US BANKRUPTCY COURT Opened XX/XX/XXXX On Equifax : XXXX Opened XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX On XXXX : XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX U.S. BANKRUPTCY COURT Opened XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.