davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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 


XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 I also have inquiries on my credit report that I didn't authorized and unaware of. 

Experian Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX CXXXXY Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MN)

I bought a computer with XXXX in 2015. The computer arrived with a chip in the screen. I made payments and was trying to negotiate a replacement with XXXX. I started the return process, and therefore stopped making the payments, but the computer was never picked up by their service provider. I ended up having to keep the computer and the account was paid off 7 years ago.
Consumer complaint received 2022-08-14
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. (HI)

I have several inquiries on my XXXX and equifax and XXXX  report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are not correct.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I noticed {$3800.00} was missing from my Chase Bank account I contacted the Chase XXXX department and informed them that I did not make these transactions too XXXX Chase issued me a positional credit I informed them that they have to contact me by phone or email because I am a XXXX XXXX XXXX  on assignment away from home. On XX/XX/XXXX they removed {$3800.00} from my account which made my account negative {$970.00}. I immediately contacted Chase Bank 's fXXXX department had to argue with the representative and explain to him that I was at work during all these transactions I had transactions I had proof of my with my time card where I was at and what I was doing he told me that wasn't Good enough that if I was blocked in jail then that would be an excuse I wouldn't have Access to my phone I faxed them my timesheet for that week About XX/XX/2021 When I called a couple days later they told me my refund would be issued within 3 to 5 dozen days I called back then it was 7 to 10 business days I'm XX/XX/XXXX they sent me a paper stating that they agree with me that the transactions were fraudulent Then a couple days later they sent me another paper saying that the transactions We're authorized I've even contacted the merchant which is a XXXX site And ask them to do an investigation with With no prevail have I gotten any response from them I sent a copy of the correspondence too Chase. I was put out of my hotel because I'm a XXXX XXXX because I couldn't afford to pay for my room for the month I would like my money put back into my account with interest
Consumer complaint received 2022-06-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Several years ago I opened two custodial savings accounts for my each of my XXXX XXXXr children with Bank of America. I had small balances in each account ( $ XXXX ) for several years and no issues. Recently, Bank of America started to charge monthly maintenance fees on each account ( $ XXXX ). I called Bank of America 's customer service line and requested they reverse the fees because they were savings accounts for minors. The representative agreed and did so. Yet, Bank of America continued to charge the accounts with monthly maintenance fees. 

I called Bank of America customer service again, had the fees reversed and transferred the money out of the accounts to XXXX plans with another institution. I called Bank of America and asked it to close the accounts. I was told that I would have to visit a branch to close the accounts because they were accounts for minors. 

I visited the branch on XXXX in XXXX AZ and requested they close the accounts. I was told they could not do so because there was a negative balance on each account due to the monthly maintenance fee that was wrongly being charged to the account. I was told that I would have to call customer service to have the fees reversed and then return to the branch to close the accounts. 

It should be this hard to close two savings accounts for minors. Bank of America is taking advantage of consumers and must be held accountable.
Consumer complaint received 2022-06-08
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXX 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 instructi
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (ID)

XX/XX/XXXX called Sallie mae once again to explain I am experiencing serious health issues and can't pay at this time Customer service has no Options for me gives me a number to call and I have been on hold for 2 hours now and requested the disability application which will be received in my email in 2 days? I hate that the laws in place just don't pertain to them nor do they have any options to work with me. It's a joke and I'm struggling to get through each day as it is and they aren't easy to deal with at all. XXXX I'm so fed up. I communicate and get no where
Consumer complaint received 2022-01-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

Someone changed my mailing address & username, to login in.. 
i have XXXX missing CD... had them XXXX XXXX to XXXX ..now there no record or tax records ... iv NEVER closed my CDs ... .Chase bank of XXXX XXXX tx XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX Thank you ... XXXX XXXX...
Consumer complaint received 2022-07-03
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)

In accordance with the Fair Credit Reporting act Account Number XXXX and 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 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-01-14
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. (CA)

When I graduated from XXXX XXXX University in XXXX, I had a private student loan balance of {$48000.00} with Sallie Mae Corporation. I attempted many times to repay my student loans, however Sallie Mae was unwilling to provide an affordable payment plan. Instead, they pushed forbearance. In the meantime, my loans were charged capitalized interest along with additional fees. In XXXX, My loan balance was an estimated amount of {$89000.00} when Navient finally agreed to place me in an interest rate reduction plan. In XXXX, I refinanced and paid off my private loans with Navient. I recently refinance with XXXX, a subsidiary of Navient unbeknownst to me. My loan number XXXX coincidently is the same account number as my original loan with Navient.
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NY)

I am filing this complaint because THE BUREAUS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GCFS, INC. ()

On XX/XX/2006 a judgment was placed against me in the amount of {$2000.00}. They file every 10 years to keep judgment growing to {$11000.00}. how many more years can they harass me and keep this going. I was never notified of this debt until recently and they have been going behind my back to get judgments renewed after 17 years now. I feel frauded because they will not stop harassing me at my home, job. Is there a statute of limitations from this harrassment?
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (GA)

Greetings NET SPEND/ACE ELITE BANKING CARD BACKED BY THE XXXX BANK INSTITUTIONS. CONTINUE TO WITH HOLD {$470.00} ON THE FLARE ACCOUNT DEBIT BANK CARD MAILED TO ME BY NETSPEND, ACCOUNT. SPONSORED BY NETSPEND. THE ORIGINAL DEPOSIT WAS {$500.00} NETSPEND FLARE ACCOUNT TOOK {$20.00} TO RUSH ME THIS NEW XXXX BANK FLARE CARD BY ACE ELITE BANKING SERVICES. THEY REFUSE TO RELEASE MY FUNDS.
Consumer complaint received 2022-06-08
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. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Consumer complaint received 2022-06-08
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. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Consumer complaint received 2022-07-03
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. (NV)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right 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 2022-01-14
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. (NY)

According to the FCRA, it states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The inquiries listed below reporting on my credit file werent authorized by me and are fraudulent. Im requesting they be removed immediately. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-26
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. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}, and XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}.
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights concerning the following accountXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX and account # XXXX XXXX5 U.S.C. 1681 SECTION 602A. 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 2022-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (UT)

PayPal has taken {$620.00} from my bank twice, yet only credited my account once. XX/XX/XXXX from my debit card, and XX/XX/XXXX from my checking account.
Consumer complaint received 2022-06-08
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 XXXXXXXX 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 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-07-03
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-01-13
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: AFNI INC. (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Let this serve as the last communication and my intent to file with the FTC if this complaint is closed without someone who can go back to the original complaint and see that you mixed up my social " AS YOU STATED IT IN PREVIOUS COMPLAINT '' see the attached screenshot of your response! You clearly responded with another social that was not mine and you refuse to delete this item as mandated by law. Your noncompliance with federal law is unacceptable. I have maintained detail records of my communications with you on this matter ; for the purpose of file a complaint with the FTC should you continue in your non-compliance. For the umpteen time the following information is being erroneously included on my credit report, as I have advised you on now six separate occasions over the last two years. You have failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) and now im to the point that I am tired of dealing with your company. So I tried to keep it professional with your company and allowed you to do the right thing.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NV)

The original creditor on this is synchrony bank I believe it's for tires for less and it is in relation to identity theft and the new collection agency is called XXXXXXXX XXXX credit which is referring to the synchrony bank creditor which was removed already.
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

I received a bill from I.C. Systems in the amount of XXXX on XX/XX/2022, the account number assigned to this bill is XXXX, I do not know who this company is nor do I owe any money, the company told me there is another address on the billing but is not mine and they show a different birthdate then mine
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

Ive contacted the frivolous fraudulent company so many times. They are reporting to my credit a suspended account with late payments and the account isnt suspended nor has it been late and I have the emails to go with it