davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I recently disputed some inaccurate items on my credit profile that should not be on there ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). I asked very specifically to let me know the method in which they went about their investigation. Their method was never communicated to me. This leads me to believe that they are consistently using some computer generated artificial intelligence with my disputes. After speaking to a rep yesterday ( XX/XX/2022 ) I was told that they use a computer to contact the credit card company to VERIFY this information. This verification method holds no validity as they are getting a simple Yes or No without a true investigation. They dont provide a day that these accounts were allegedly applied for, an IP address, or a signature. This company is HORRIBLE. They dont have a true investigation.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (IL)

I used my credit card to book a hotel in XXXX. The hotel tried to overcharge me when I actually arrived there and was not ready to honor the pre-booked rates. I did not stay there but they still charged me for my reservation. Under my credit card, I should get insurance for my purchases but this card does not honor this. They will not refund the fee.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I am still in school and currently taking classes at the University XXXX for my XXXX. Apparently this past XXXX student loan payments were posted for me to start paying. However, they sent them to an old email that I do not have the password to anymore. I never received any phone calls or letters. NAVIENT posted my loans as delinquent in XX/XX/XXXX ( while I was an active student at XXXX College ). The only reason I found out about my loan payments was because XXXX XXXX emailed me that my credit had dropped dramatically from a XXXX to a XXXX. I am an XXXX student working full time up to XXXX hours a week at a XXXX. I am hoping this issue can be resolved because NAVIENT claims that they can not reverse the credit damage even after putting them into deferment.
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction.
Consumer complaint received 2022-07-31
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account : Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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 2018-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

Last week I received a phone call from my parents who live 500 miles away. They indicated they received a letter from XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and it indicated a owed a debt from XX/XX/XXXX, which was a result of a parking ticket. The letter indicates I have 30 days to respond prior to taking action. 

My issue is that the debt is too old to be collected as California statute of limitations on debt is 4 years and 4 years had passed prior to the date the Notice was sent to my parents house. The debt is so old that it creates prejudice in my defense of the debt, since I don't even remember where and what I was doing on XX/XX/XXXX, I don't own the car in dispute, and there is no way I can recollect enough detail to provide an adequate defense. Finally, the letter was sent to the wrong address. If my parents had not called me, i would have no idea this was happening. Notwithstanding my parents notifying me, sending the letter to the wrong address has significantly shortened the time of which I can respond.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Class Financial (PA)

I was contacted by XXXX phone number XXXX saying I was eligible for the obama student loan forgiveness program. Spent over an hour on the phone and doing electronic signatures. My first payment of XXXX was done through XXXX which made me suspicious.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

I paid my debt IN FULL to Chase bank yet they are still charging me. They locked me out of my own account and I was unable to sign in. They decided to charge me even though it was their fault they locked me out of my own account. I could not access my online account because their own faulty security system did not trust my location/ They closed my account yet still fine me after I repaid everything. In my supporting documents you will see they closed my account and the only charge is from the applying more fees to me after I paid them everything.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

My loans are serviced by XXXX, then known as Sallie Mae. One of my loans was an unsubsidized Stafford loan that was transferred to another lender in 2009. I only received notice that the loan had been sold after I had already submitted a payment, but the payment had not yet been processed. I inquired with Sallie Mae/XXXX whether that payment would be forwarded to the new lender, and I was told verbally that the payment would be sent to the new lender. That never happened ; the money I paid for that month 's installment vanished. Although it was electronically deducted from my checking account, Sallie Mae/XXXX never applied it to that loan or any of my other loans serviced by Sallie Mae/XXXX.. The new lender never received that payment, and I was forced to make a double loan payment that month. Further attempts to follow up in writing with XXXX/Sallie Mae were ignored.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (AZ)

On my XXXX statement I noticed XXXX incorrect charges that were not made by myself or my wife. XXXX was to XXXX on XXXX for {$540.00}. the other was to XXXX on XXXX for {$3200.00}. I contacted Chase to dispute the charges and close the account to avoid further charges. I then contacted XXXX and they stated that the charge was deemed fraudulent and reversed. When I contacted XXXX the gentleman took my info and said I would be contacted within a few days ... No reply ... In the interim I received a letter from Chase, ( see attach ), stating that they had verified the purchase by XXXX, and the disputed amount was to remain on my account. I sent a letter to Chase stating the incorrect bal on my account after reviewing my next statement.. So far no reply.
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-05
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: WELLS FARGO & COMPANY (TX)

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. Wells Fargo XXXX, XXXX and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my XXXX report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights
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 — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts because I believe it was reporting in error. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Consumer complaint received 2022-10-23
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. (PA)

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are hard inquiries on my credit report that are fraudulent
Consumer complaint received 2022-07-30
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. (IL)

The efficiency and prompt attention of CREDIT BUREAUS to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be FIX immediately in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$410.00}
Consumer complaint received 2023-03-08
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2016-01-22
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (TX)

I have had a title loan with title ax for 3+years, during this time I have paid interest charges, paid down principle, increase my loan, and paid several late fees. The issue is when I requested an increase in loan amount they did not ask what my income was although they knew I was on XXXX. They provided me an additional XXXX. Dollars. After this when I returned in I believe they ask that I sign some old documents from months before stating I received disclosures. I have been asked each time since to sign the same statement but have never received any disclosures. I now am past due and when speaking with manager he offers only half off the late fee, I have paid this company well over XXXX times the value of the car, I understand the need to repay but I need title max to understand my income and ability to repay
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (IL)

I believe my credit card was used fraudulently. I do n't understand how the card was used since it did not leave the cardholder 's possession. The card company did not provide copies of every charge. Dates and times of many charges could not have been made by the card holder. XXXX or more copies of receipts clearly show a signature that is not of the card holder. I believe the pattern of charges are consistent with obvious fraud. At no time did the card company contact me and question or ask about the charges. The charges exceeded the indicated credit limit and the card company allowed them anyway by just raising the limit. No explanation as to why the charges valid have been given. The card company response is just " ... determined that the transactions were valid ''. There has been no response with any substance to my letters or questions.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/2022, I made a payment for the complete balance reflected on my billing statement of {$140.00} to my XXXX XXXX Credit Card. This payment was made when I got off work after XXXX. On XX/XX/2022, I called the company to close my account. During the process of closing the account, the automated system stated that I had a balance of approximately {$32.00}. I elected to speak with an agent to explain the amount being applied to my card. The agent I spoke with informed me that it was a late fee due to me paying after XXXX. I explained to the agent that there's nowhere on the statement where it list a deadline time, only a date in which the late fee would be applied if payment not made by that date. I read the paragraph to the agent verbatim. The agent then explains to me that there's a paragraph on the 2nd page ( which is the back of the statement ) listing the cutoff times ( which is in smaller print ). I informed the agent that at no time on the day of making the payment was I inclined to look at the back of the page because I was going off the information provided on the initial front page, which list the date payment is due, the amount of the balance, the breakdown of the charges and the late fee warning that states verbatim " If we do not receive your minimum payment by XX/XX/2022 you may have to pay up to a {$41.00} late fee. ". The only time that is mentioned on the initial front page is for mail in payments. I also informed the agent that even the 2nd ( back page ) with the cutoff times, does not have a late payment fee warning in it's paragraph. I was then transferred to a supervisor who only proceeded in debating with me on this issue.
Consumer complaint received 2022-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

on XX/XX/2022 I sent a letter regarding some inaccurate and unknow items on my credit report. To this day over 35 days ago I have not gotten a response at all. Am I being taken advantage of or something for my disputes? in section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 35 days so the items listed should my be deleted from my report immediately due to law. I demand that these accounts be removed promptly or I will be forced to file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of a hacker.
Consumer complaint received 2018-12-19
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)

My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact Navient they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.
Consumer complaint received 2022-07-30
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. (MO)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that creditreporting agencies still indicate my dispute of information in my credit report. As of todaysdate, 3 Credit Bureaus has not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureau must complete their investigation within 30 days. Pleasecheck payment history, date open, last activity and Status of the following accounts thatwere reporting in error. 
XXXX XXXX Balance : {$0.00} ; DEPTOF EDUCATION/XXXX  XXXX Balance : {$6700.00} ; DEPT OFEDUCATION/XXXX XXXX Balance : {$5100.00} ; DEPT OF EDUCATION/XXXX Balance : {$5100.00} ; DEPT OF EDUCATIONXXXX XXXX : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-05-05
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: SYNCHRONY FINANCIAL (TN)

Hard inquiry appeared on credit report on XX/XX/2022. Inquiry was from Synchrony Financial as stated in credit report on XXXX XXXX. This inquiry was not authorized by me. Contacted the institution and told them the situation. The representative of the institution told me that a credit application had been filed in my name. The representative stated they stopped the credit application and advised me to file a fraud victim statement with each of the three credit unions.
Consumer complaint received 2020-01-18
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. (CA)

We had an account with XXXX and we purchased ten phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about sixty phones from them and that she had a warrant for her arrest. XXXX knew their employee had a previous record yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police report ).
Consumer complaint received 2021-12-20
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.