davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I opened a credit card with Chase on XX/XX/XXXX ; interest rate 27 %. I would never transfer a balance to this account the interest is way too high. Regarding the aforementioned I was very surprise to look at my statement on line and find out that they were charging me a transfer balance interest fee. UPon finally seeing this i called Customer service in XXXX only to be told by several employees of the establishment that I did indeed transfer a balance and although they were unable to find it that they would not cease charging me or return / credit my account. This charge was added o my account and they cant even tell me when they started charging me because it should be when i supposedly transferred a balance. Bottom line it adds up to a nice piece of change. I need that money back, I find it irresponsible not to at least settle, but the entire thing is dishonest and I believe their are others that are being ripped off. Is there a class action suit ; if not could this be a start of one. What can I do to get my hard earned money back. Please help me. Thank you!!
Consumer complaint received 2021-10-28
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (AZ)

In 2006 I asked my cousin to open an account using an endowment check issued to me from the XXXX  XXXX XXXX. I was unable to get to the bank myself and the XXXX XXXX  XXXX XXXX advised my cousin that the only way for her to deposit the check would be to open a joint account with herself as the primary account holder. About a week later, after the check had cleared I called to find out if they needed additional information from me. They subsequently closed the account because I was not present to verify my identity with government issued identification. The bank sent the account balance in the form of a check to my cousin because she was the only address they had on file. There were zero withdrawals and only one deposit of a check made out to me and I feel they essentially laundered the money to my cousin and now she refuses to return it.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Long time care credit member, paid in time no issues. Suddenly I was charged interest going back to initial time of purchase. 
I was down to {$1500.00} & was going to pay off then next month statement doubled due to back interest. I did NOT know that would happen. 
Never was told. I called and rep stated they would adjust and send new statement out. Next month still no change, I have called numerous times and sent letters even and no help by rep to help with acct so I can leave in good standing, no response by my letters. Its almost 30 % interest, I cant even get my bill down for no one helps, this company is the worst ever. I cant even pay off with another card due to they dont allow it which makes sense for them for they are making a killing off of not being able to let members do so. I want to keep my credit in good standing but no one helps. What can I do, Im so lost and no assistance anywhere with this company.
Consumer complaint received 2021-10-28
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

I have been paying my student loans regularly and on time. My Cosigner and myself saw a huge drop in our credit scores. I called them XXXX  ( XX/XX/XXXX ) they could not find the issue at first. They eventually found the issue and said it would be rectified and would give me a call that Monday ( XX/XX/XXXX ). They did not give me a call. I called them Tuesday and they gave no help on fixing this problem. They stated it just went on to review which they said they were doing that Friday ( XX/XX/XXXX ). My cosignor and I rely on our credit score to be good because of our business.
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Adjustment Service, Inc. (MN)

I've have had issues with diversified adjustments in the past with my other details of debt and I don't want to deal with them ever but they are now back to sending me mail and phone calls every day so I am now force to look in to getting there certified debt license taken away after the fact they did not follow my request.
Consumer complaint received 2022-10-25
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. (AZ)

My credit score dropped XXXX points on experian, and when I checked XXXX it dropped there too. I have missed zero payments, I have not been late, and I can not understand how my credit score dropped. I believe this is because I went on a temporary payment reduction plan with XXXX XXXX XXXX XXXX, from where I have a loan. I agreed to a temporary reduction plan for 3 months until I became employed again, this was a plan they agreed to as well. I called XXXX XXXX XXXX XXXX and they too said that my credit should not be affected as the plan was agreed to by them as well. I filed a dispute with experian, and they said it was resolved however my credit score still took a XXXX point hit. Please advise.
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: Experian Information Solutions Inc. (NC)

n accordance with the Fair Credit Reporting act US DEPT ED Account # 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 For several years this company has not worked on this issue and now they are saying they are working on it? I got a notice of 60 days! This company breaks the law and they get 60 days to keep doing this?
Consumer complaint received 2022-09-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # 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 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

My home was acquired from XXXX XXXX XXXX XXXX and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX  which happens to be fraud and commercial mischief along with others very unfair to a XXXX XXXX  XXXX veteran with XXXX  young children.
Consumer complaint received 2021-10-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In early XXXX I sent a letter to XXXX XXXX XXXX XXXX asking for validation and verification. They have not done that to this date far beyond the allowed time frame. I notified reporting bureaus of failure to validate and when told by reporting agencies the account was valid I asked for proof of validity/ method of verification in XXXX. They have not done this to this date, way past the time allocated. I put in a complaint about this yesterday, the account is not valid, and violates the time restraints outlined in the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLGF Holdco 1, LLC (CT)

In accordance of fair credit acts the list of accounts has violated my federal rights 15 U.S.C 1681 I have not XXXX giving permission for my info to be shared with. 
XXXX XXXX  XXXX 15 USC I have not giving written construction 15 USC Have violated my privacy
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022 I submitted a letter to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. As of today XX/XX/2022, more than 60 days from when they received the letters I have not received any type of response back from either of the bureaus. At this point, I feel like my consumer rights are being relinquished and I am being totally ignored. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. Additionally, according to 15 USC 1681b, there are no permissible purposes for this information to be reported on my consumer reports. I have not received a response in over 60 days now ; therefore, the accounts should be deleted. 

I demand that these accounts be deleted immediately. 

Additionally, I have checked and my information was impacted by the Equifax Data Breach and my information may have gotten into the hands of the wrong person, I am also demanding that the non-account holding inquiries be DELETED from my credit reports immediately.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (AZ)

WELLS FARGO BANK , N.A . SENT AND ADVERSE LETTER DISCRIMINATING AGAINST MY CREDIT AND DENYING ME AN EXTENSION OF MY OWN CREDIT. VIOLATED MY RIGHTS UNDER 15 USC 1691 ( a ) AND GIVING ME FALSE AND MISLEADING INFORMATION.
Consumer complaint received 2022-09-27
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: ERC (CT)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 a section 2also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I summited a request to have accounts verified that are reporting on my credit report. Upon completion The Credit bureaus stated XXXX XXXX XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. I attached proof showing the inaccuracies. This ground for removal! They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2022-06-09
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX XXXX opened : XX/XX/XXXX Balance : {$750.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$430.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

The 3 Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question.
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: Experian Information Solutions Inc. (MO)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 604 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 2022-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I requested my refund on XX/XX/25, my piers have already received their refunds from Edfinancial and they requested their refund After I did. I explained to the customer service agent my family is extremely affected by the pandemic but I believe it fell on deaf ears. I was quoted XXXX business days and my friends received a student loan refund from the same company in no-time at all. Im completely unhappy with the inconsistency of info this company provides. They werent even my original loan company, for some reason my loan was transferred to them.
Consumer complaint received 2022-06-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

As far back as United States, XXXX the United States Department of education has utilized a third party debt collector to report a debt they employees of United States Department of Justice/XXXX XXXX says the consumer who is also the original creditor owes. It is innerstood that United States Department of education without a valid contract has altered and sold the social security card, name and account number which is linked to the all capital name which is the property of the social security administration pursuant 42 usc 408 without written consent, authorization or disclosure pursuant to 31 cfr 1.32 and 5 usc 552a. It is illegal and unlawful to alter, trade or sell securities instrument which was only intended to benefit the beneficiary/card holder to monetize and gain profit off of which is monopolizing. The legal fiction all capital name is a pseudonym also known as debased XXXX  XXXX in which debt collectors and credit reporting agencies are using to cause liability to the beneficiary/The Natural Living Man who lives in his mind, body, soul with blood, brain and a pumping heart. The language on the credit reporting are is false and misleading pursuant to 15 usc 1592e and with all three credit bureaus such as experian, XXXX, XXXX XXXX and the department of education/XXXX XXXX put up on notice by phone and online yet they refuse to acknowledge or do anything about these matters are civil liability for wilful noncompliance pursuant to 15 usc 1681n , civil liability for negligent noncompliance 15 usc 1681o , civil liability 15 usc 1640, liability of assignees 15 usc 1641 and criminal liability for wilful and knowing violation. There's evidence of the department of education/great lakes soliciting debt notices through the mail which is mail fraud pursuant to 15 usc 1692-harassment and abuse and 18 usc 1341-frauds and swindles . Grammatically every removed from the credit report because the foreign XXXX  XXXX language has no jurisdiction with XXXX which makes this type of act a violation of 15 usc 52-disemination of falsified information, deception, trickery also pursuant to 18 usc 1001 , 18 usc 1030- fraud and related activity in connection with computers, 18 usc 1038-false information and hoaxes, 18 usc 1343-fraud by wire, radio or television, 15 usc 1692k-civil liability and 18 usc 1028a-aggravated identity theft. Debts are sins and goes against the good faith of Natural Living Man and that debt which is tied to an all capital name, symbols and psuedoyms are liabilities and are outside the scope of what security instrument social security card, name and account number that's actually a credit card pursuant to 15 usc 1602L was created for. Lawful Men and Women put up their mineral rights which involved gold and silver and their sweat equity to bail out the United States Corporation during the 1933 Bankruptcy and that social security card, name and account is unlimited credit.
Consumer complaint received 2022-07-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Go Capital Holdings, LLC (FL)

XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX disputed spoke to company and was advise debt to have been verified payment history show different on every report XXXX show account type : auto loan status date : XX/XX/XXXX balance update : XX/XX/XXXX XXXX show account type : installment status date : XX/XX/XXXX balance update : XX/XX/XXXX XXXX show account type : installment account status date : XX/XX/XXXX balance update : XX/XX/XXXX
Consumer complaint received 2022-09-11
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. (CA)

In accordance with the Fair Credit Reporting act 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 2022-09-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

It is about a XXXX XXXX {$50.00} card that was gifted to my daughter on her XXXX birthday, XX/XX/XXXX. 

Like all the gift cards i received for her birthday, i kept it until she may decide on what to use it for. 

When we tried using the card more than 2 yrs ago ( during the lockdown ) it won't work. I called XXXX ( XXXX ) XXXX at least 3x, i was just told that they can't do anything anymore. 

I didn't even activated that mastercard debit card. Expiration is XX/XX/XXXX.
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: EQUIFAX, INC. (FL)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 )
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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

This letter is in response to your recent claim that the following account was verified and still on my credit report but you never did an investigation as to my request you to do. You failed to remove the account that I disputed earlier, despite the fact that I informed you that this account is unverifiable because it is not linked to any of my home addresses, so how was this account verified? Because I was a victim of identity theft, I immediately withdrew and deleted the items that I had contested.