davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX/XXXX  XXXX  XXXX  XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to XXXX and Experian notifying them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but XXXX and Experian are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance of {$7500.00}. Both credit bureaus are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance of {$3000.00}.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MI)

On XXXX received an email from Chime that says I have an account with them and explaining their services. I sent them an email to their customer service ( or lack of service ) the same day telling them I did not open an account or authorize anyone to open an account in my name. I asked them to contact me as to how they got my name to open an account. I would not provide my name or contact information as I suspected fraud and didn't want to provide any personal information on than the email address which received the email. Their customer service is supposed to be open 24/7 according to their website. To date I have not received a response. If you call their phone number, the only option you have is to email their customer service. You can not speak to a person. A few days later I received a Visa debit card from them which I had not requested. As I had not requested an account much less a debit card and have my credit monitored, I can only assume the company is engaging in fraud opening cards in people 's names without their consent similar to XXXX XXXX a few years ago. This company needs to be fully investigated if not shut down. This is as serious as the XXXX XXXX issue if not more so. With the amount of fraud going on in this world this is very dangerous sending debit cards in the mail without any request from the recipient. The company operates without regard to the safety or finances of those who have no interest in their products.
Consumer complaint received 2019-06-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I've attempted to request lower monthly payment amounts without success. When I fist got the loan I only owed about 15K now I owe more than 30K. How is that acceptable? My balance owed has doubled in only 12 years from the time I finished school. 
Late fees keep adding up. My credit score keeps falling due to higher debt ratio and the cost of living is rising every year. How is someone with an XXXX XXXX supposed to live if they are getting hit late fees and high interest rates that double the date every year? 
When I first applied for this loan full disclosure of late fees and interest rates where not provided. I was also not advised to apply for fasfa or any other scholarship to help pay for my education without having to turn into loan debt. 
I'm pretty i was also cheated in the way my payments in the past where applied but the Navient website does not provide that data of course.
Consumer complaint received 2022-08-02
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. (MD)

I have sent in a letter to get medical accounts removed that are in collections and have no updates. Also, they are not able to verify accounts that have medical information on them, so when they do an investigation where do they get this information from? Also I would like to have proof of this being verified and connected to me.
Consumer complaint received 2021-12-18
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: JPMORGAN CHASE & CO. (CA)

My credit card was lost or stolen while in XXXX, XXXX on XX/XX/21. I didn't realize it until XX/XX/21 at which time I called Chase that evening to report the card lost/stolen. They closed that card and issued me a new card. 

When I received my Chase statement dated XX/XX/XXXX, I discovered unauthorized charges on my account totaling about {$570.00}. I called Chase to report the unauthorized charges and they removed them from my bill. 

Upon receipt of my XX/XX/XXXX Chase statement, I discovered that Chase had added back the unauthorized charges to my account. They sent me no notice or letter. I contacted Chase recovery and they stated the unauthorized charges were made in a suburb of XXXX so they were considering the charges valid - basically calling me a liar. They told me I could provide more documentation and email it to XXXX. In the meantime, they said they would review it again. They did so and sent me a letter via the website stating the charges were still valid and they would not consider them unauthorized charges that could be removed from my bill. 

On XX/XX/XXXX, I emailed a detailed account of where each of the fraudulent charges were made and provided evidence I was not in those areas so could not have possibly made those charges. Within only one day, they sent me a letter via their website stating I had either " notified us that this transaction is valid '' or " had received a benefit from this transaction ''. Both statements were completely contrary to the email/evidence documentation I had provided. 

In summary, my card was lost/stolen, someone used my card to make unauthorized charges, and Chase is forcing me to pay for them.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX-XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department however I was unable to file a report due to lack of information as to who may have stolen my identity.
Consumer complaint received 2021-10-12
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: LEXISNEXIS (FL)

XXXX refuses to delete the negative reporting of my Chapter XXXX public record. XXXX refused to review my dispute and referred me to XXXX XXXX, a third party reporting agency. XXXX and XXXX complied after receiving my dispute with the letter from the bankruptcy court stating the courts do not report to credit bureaus. I tried over 3 times to reach out to XXXX XXXX, but they refuse to confirm how they received my information. Each time, they provided me with a code to review my XXXX XXXX report. This is absolutely a violation of the FCRA and I want XXXX and XXXX XXXX to be held accountable. The negative reporting from XXXX has ruined my life and credit profile. I am unable to get housing during this pandemic because of this negative reporting.
Consumer complaint received 2021-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I have been paying Nationstar/Mr. Cooper since XX/XX/XXXX. I originally had XXXX XXXX. First at closing XXXX XXXX was lender. When first payment due they switched over to Mr Cooper. I went through bankruptcy got approval to keep loan. Mr Cooper sent me a letter in XXXX saying XXXX XXXX was the new lender as of XX/XX/XXXX. I kept calling XXXX XXXX they couldn't find me in system for weeks. I had to escalate call i said do you show my account as bankruptcy? They said no. They had wrong zip code on file on day one some XXXX. They had no one assigned to me. Kept saying wait 30 days possibly. Supervisor hung up on me. Called back said what is going on i have no documentation from you. They said my lawyer should call them. Lawyer called he said they didn't have me in system. They are just as that week I spoke to attorney now sending me a letter. I said did you go through the process of bankruptcy court to change the loan? Lawyer said they have no paperwork from them. I was trying to refinance in the fall. I had a call from XXXX XXXX and did not complete the application. I sent the email showing unfinished application to my lawyer. And also email from XXXX XXXX asking me to finish my application. I think they are scamming me. Using unfinished application.
Consumer complaint received 2021-10-12
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-12
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)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2022-10-15
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: DISCOVER BANK (KY)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 I purpose.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FlexShopper, Inc (MD)

They have an account in collections along with another company with the same account so two separate collections for ONE account is now on my credit report. I have never used XXXX XXXX! I have also NEVER gotten any notice of this BEFORE collections. Two different amounts are showing.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Responses from both XXXX and Equifax indicate that the issue of removing a middle initial was resolved. I continue to receive mail with a middle initial however, which I have never in my lifetime used. XXXX took the appropriate action and removed said middle initial. All I ask is that XXXX and Equifax respond with a similar action and response.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

Citibank hired a biased and incompetent appraiser with documented bias against minorities which is in the public domain. He submitted a malignant report to the financial institution to ensure the loan is not financed. There is a current appraisal from another lender to prove his bias. I have had several appraisals and brokers review the report of XXXX XXXX and they find it as professional malpractice, bias and unfair. I believe this is an attempt to prevent me, a minority, from getting financing that I deserve for my dream home, even though I have worked hard as an XXXX. Please see attached appraisals. Please investigate XXXX XXXX from XXXX XXXX XXXX and ensure Citibank is following the rules.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2021-12-19
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: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-08-28
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: WELLS FARGO & COMPANY (KY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 or purposes
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (PA)

The phone calls were made by Ally Financial employees. 

Ive received a great amount of phone calls & voicemails within the last few months. The ones I have on record will be listed below. 
Voice mails XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Missed Calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XX/XX/21 Answered calls XX/XX/21 XX/XX/21 These are the calls I have access to at the moment but, XXXX be looking for more. 


Im not sure if Ill be able to request my call log from my cell phone company or not but I will attempt to. On the phone calls Ive noted that I have lost my job in XXXX due to covid and have been interviewing at different places and have been recently employed. Noting that Ive been struggling to pay. I wasnt offered any options other than to pay. I attempted to make arrangements but they werent helping. Theyve also failed to note my intentions. I have also been given extensions to the wrong phone number. Their dealings have been shady. Theyve called nonstop. Each day multiple times a day. Theyve repossessed my car without warning. They came in the middle of the night. This was the second time they did this. Now Im required to pay the full sum if I want it back as well as additional charges. Ally Financial is a shady company, and they do not care about their customers.
Consumer complaint received 2022-08-02
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. (AZ)

Equifax is stating on my report that I am deliquent and they are not providing me with reasons why is the case. 

I have called them and they are not providing me with the information. With the other two credit agencies, there are no reports of this deliquency.