davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Around the beginning of XXXX, I believe it was XX/XX/XXXX, I had used the XXXX XXXX app to check my credit score. Upon opening the app, I discovered that my credit score had dropped 153 points thus bringing me down to XXXX points as my new score. I researched the app to find out how this had happened ; I pay my credit card bills every Friday, so it was not that, and I was still in grace period after graduating from school on XX/XX/2018. I found out, from XXXX XXXX, that Navient ( my loan servicer ) had reported a late payment on a federal unsubsidized and a subsidized loan. One, Navient had never informed about a payment due for my federal loans. I called Navient around XX/XX/XXXX to clarify if I had any payments due and the phone operator said " no. '' Two, I logged in to my Navient account and also found that there were no payments due, and all my loans were deferred or still in grace period. I even checked my Navient inbox to ensure that I had no payments due yet. Thinking that this was all a mistake, I opted to try XXXX XXXX 's free credit score reporting system, which also said my credit score was XXXX points. To go even further, I chose to receive my free credit report from XXXX and it also stated that Navient had reported that I was 90+ days late in repaying my federal loans. In conclusion, Navient failed to inform me about ( 1 ) loans/balance from the loans that were allegedly supposed to be paid, ( 2 ) loans that were not actually supposed to be paid off until my grace period ended ( XX/XX/2018 ), ( 3 ) misinformed me about what loans were due when, ( 4 ) failed to track my loans correctly and inform me in a timely manner, ( 5 ) incorrectly reported my loans to the credit bureau, and ( 6 ) had their dispute section of their website unable to function ( probably due to their law suit or overwhelming disputes from consumers ).
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

Horrible company, that do not take your money serious! 

I have never ever send money with XXXX XXXX ( only recieved ) One day i see my money on my bank account is gone. 

There was several Charges, from XXXX, to XXXX and XXXX. I DID NOT USE ANY OF THESE MONEY, I LOST THOSE MONEY DUE TO USAA! 

I had for a long period of time a girl living with me. Her name is XXXX XXXX. 
On XXXX transfers, you can see her name on my bank statement ( XXXX XXXX XXXX XXXX. 

So i assumed she had something to do with it. I trusted her she was good friend, but what i didn't know was her history as Fraud specialist. She have seen my card numbers several times, due to my wallet always laying around. She had access to my phone, since i trusted her.

She have over several months transferred and use my card numbers to XXXX rides and cash app. Not only one time, but many time over 3-4 months. When i checking her background on XXXX XXXX, i see that she have several charges regarding fraud. 

So i would like to know, who i can contact from XXXX XXXX that can confirm it was me, sitting behind the screen and made a money transfer? Or do they have XXXX footage they can check and see who was at the store and send the money? I would like a copy of their rapport. Because it was not me, who did it for sure. 

It's not fair that you gon na shut down my account over something i didnt do.
Consumer complaint received 2023-01-24
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. (OH)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}
Consumer complaint received 2023-01-24
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: U.S. BANCORP (GU)

XXXX XXXX pulled an unauthorized credit report for me. See below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please have this credit inquiry canceled, as it is fraudulent. 

Thank you
Consumer complaint received 2023-01-24
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: U.S. BANCORP (GU)

Elan Financial pulled an unauthorized credit report for me. See below : Phone : XXXX Elan Financial XXXX XXXX  XXXX XXXX, XXXX, MN XXXX Please have this credit inquiry canceled, as it is fraudulent. 

Thank you
Consumer complaint received 2018-11-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MO)

Promised to pay full amount on XX/XX/XXXX. Was accepted by Synchrony bank. Barely over 1 month behind on Care Credit. 

No less than 4-6 calls PER DAY during my work day. Violation of debt collection practices.
Consumer complaint received 2021-07-13
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted TransUnion about a collection from XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$140.00}, which is an account I don't have knowledge of. TransUnion ignored my request for investigation and don't even answer to any of the letters is sent ( dated : XX/XX/XXXX, XX/XX/XXXX ) which are attached.I know my right and I know that by the curent law they have to complete their investigation in 30 days and if requested they have to provide method of verification. They failed both.
Consumer complaint received 2023-01-24
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. (MD)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WI)

Discover is trying to charge me for fraud charges made on my account. I alerted them to the fraud and they refuse to remove the charges. The fraud amount to {$8200.00}. 

Discover says they don't have to remove these charges because a security hold was removed over email. 

I can be contacted at XXXX XXXX XXXX, for more details. 

XXXX XXXX
Consumer complaint received 2023-01-24
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. (GA)

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX -- Account # : -- -- XXXX XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : -- -- XXXX XXXX XXXX Equifax Account XXXX : -- -- XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : -- -- XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : -- XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-09-22
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)

In accordance with the Fair Credit Reporting act the following accounts are out of compliance : XXXX XXXX XXXX  XXXX : Account # XXXX | Account History Invalid - No Consent Given. 
Extra Credit Card : Account # XXXX | XX/XX/2022 - Inaccurate Payment History. ( This payment was not missed. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX | Account History Invalid - No Consent to report given. 
XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX | Account Payment history invalid - No written consent given - Account Paid in full Invalid Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/202 202
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2022 I was charged by a merchant XXXX repayment for {$1000.00}. This was a merchant that I previously back in XXXXXXXX XXXX XXXX filed a claim on stating that they were prudently and falsely charging me. I won the claim and Wells Fargo found they owed me more and rewarded me. However in XXXXXXXX XXXX XXXX XXXXXXXX used a different merchant name to charge me and Wells Fargo allowed that and posted it. I immediately filed a claim and they issued me a temporary credit. Well a month later they stated that because the claim was outside of a 60 day window. It was not I cant receive my money back and my credit is being revoked now overdrafting my account. They found that in XXXXXXXX XXXX XXXX that XXXX charged me for XXXX and that was the only reversible charge because XXXX fell outside of the 60 day cycle. 

I have now been refunded XXXX dollars and was told my XXXX dollar charge will now stick. This is negligent and they refuse to help me and wont provide me thorough responses now a month later
Consumer complaint received 2021-07-13
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. (NY)

On XX/XX/2021, my Chase Checking account ending in XXXX, was involved with someone making unauthorized fraudulent charges. The following ATM withdrawals from the same branch were made all on the same day. {$1000.00}, {$2200.00} and {$800.00}. Chase allowing so much money to be withdrawn on the same day without so much as an alert is totally egregious and the second withdrawal should have been denied. The only time they reached out to me was subsequent to the withdrawals for a charge at a gas station for {$30.00}. There was also another fraudulent charge that same day at a XXXX  for {$240.00}. When I received the alert for the gas station purchase, I went onto my account and noticed all of the above mentioned charges and contacted Chase right away to let them know they were not my charges. I was asked if I had my Credit Card in my possession and I did, therefore, I told them so. There was an investigation done by Chase and subsequently the case was closed due to a statement made by them that it is IMPOSSIBLE for someone to clone a card with a chip on it. They stated the person also used my PIN. This statement is entirely untrue as this happened to me. I do not know how it happened but it did. I asked them to check all the cameras and they told me I would need a lawyer to have that done. I also tried to open a police report and the officer told me unless I have a document from Chase stating it was confirmed fraud, they could not take a report. I have since done some research and have indeed confirmed that although it is very difficult, this copying of a chip card can be done. Please do your own research about a company called XXXX XXXX and how they have designed software called XXXX XXXX. Nothing is impossible in this day and age and I resent the fact that Chase did not look further. I have basically lost my life savings and there is nothing they will do about it. My entire family have been customers of Chase for many years and because of this, they are considering leaving. I am extremely saddened by this situation and have living expenses to deal with and no where to turn. Please look into this for me, further investigation needs to take place.
Consumer complaint received 2021-10-02
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: Experian Information Solutions Inc. (NC)

Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts. 
The highest balance is different with {$1500.00} and {$550.00} being reported. 
Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am so tired of going back-and-forth with this the bureau you are allowing the same fraudulent company XXXX to consistently re-age and re-report a fraudulent account. The funny thing is every time I call you guys immediately take it off and admit that it is a fraudulent account but every few months we have to go through this so now I'm coming to look at some of finance protection bureau for some help. They change the dates or the amounts slightly in order to continue this XXXX. The account numberer XXXX IS XXXX I SICK OF THIS SOMEONE NEEDS TO DO SOMETHING IMMEDIATELY AS SOON AS I TOOK MY FRAUD ALERT OFF MY CREDIT TO APPLY FOR A HOUSE YOU GUYS ALLOW THIS TO HAPPEN AND THEY DESTROYED MY CHANCES OF ACQUIRING MY HOME MY PART OF THE AMERICAN DREAM AND WORSE I LOST MY XXXX ESCROW. Also you guys wiped out all my good credit causing XXXX XXXX and various others to close down my accounts for a fraud account but left all the fraudulent inquiries that were linked to the accounts where the XXXX does that make sense. These address have are fraudulent that has been reinserted that's has been to various accounts that's has proven fraudulent and thus removed for my credit. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (OR)

On XX/XX/XXXX I paid for a ticket for my mom to go to my aunts funeral when it was time for my mom to check in with XXXX XXXX they told my mother that they cancelled her flight do to her XX/XX/XXXX type and that I would have to contact my back to get the charged reversed so I did on XX/XX/XXXX on the chime app I submitted all documentation and they said that my dispute would be completed XX/XX/2021 at XXXX  that didnt happen so I contacted chime on XX/XX/XXXX through the app and got no response so I called them directly and they said yes its past the 90days for my dispute and they would have to escalate the problem and that I would hear back to them on XX/XX/XXXX and still no response so I called the same day and they said that I would have to wait til the next day which was now XX/XX/2021 and no response.
Consumer complaint received 2022-04-25
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. (MS)

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A section states : I have the right to privacy.

15 U.S.C. 1681 Section 604 A section states : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation (IL)

I received a notification XX/XX/2021 that there was a remark on my credit for a medical bill. I never received any phone calls or a letter of debt validation notice in the mail. I had no information regarding the collector, the only reason I found out which company it was until I pulled my credit report and saw their information. I had no idea about this debt and I'm very upset I didn't even have a chance to verify if it was mine or dispute it.