davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (NC)

There are 2 of the same accounts opened from XXXX XXXX Properties, but since they are under 2 different accounts they won't remove the one. I tried last XXXX ( 2021 ) to have one removed but was refused since it's technically 2 different accounts. I was then told to contact the people who filed the report ( XXXX XXXX ), which I did and they said there was nothing they could do since it was already reported. I have not received any paperwork about the claims and am asking for both to now be removed from my credit on my XXXX report since it is not on my XXXX.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MI)

I am writing to formally request the removal of my name from the check systems maintained by your organization. 

I recently discovered that my name is still listed in your database, and I believe this may be an oversight or an error. As a responsible account holder, I have diligently managed my financial affairs and maintained a good standing with your company.

I kindly request your immediate attention to this matter, as having my name inaccurately associated with any negative information can have adverse effects on my financial reputation. I am confident that the issue can be resolved swiftly and without any complications. 

Enclosed with this letter, you will find relevant documentation that supports my claim and verifies my credibility as a trustworthy customer. I kindly ask you to review this evidence and initiate the necessary steps to remove my name from the check systems promptly. 

Please confirm receipt of this request and notify me in writing once the removal process has been completed successfully. Additionally, I would appreciate any further information regarding this matter and any steps I need to take to ensure its resolution. 

Thank you for your prompt attention to this matter. I look forward to a timely response and a resolution to this issue.
Consumer complaint received 2021-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have two direct subsidy loans that I'm working on getting forgiven through Public Student Loan Forgiveness ( PSLF ). I keep track of it diligently. In XX/XX/XXXX I noticed one loan had an extra qualifying payment. I contacted MyFedLoan and they said they would look in to it. After not hearing anything for a month, I contacted them again and was told it would take time. I didn't contact them in XXXX but sent an email requesting an update as it had been close to four months since sending the initial email. I didn't hear anything for a week so I called on XX/XX/XXXX and was told they are still looking in to it. Apparently one of my payments was off by XXXX cents due to an error with their software. But because I still have a ways to go before my loans are forgiven, I had to wait until people closer to forgiveness had their issues resolved. I'm being perpetually pushed to the back of the line. Four months is a long time to wait for an issue over a nickel that was caused by their software.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (VA)

On XX/XX/XXXX I bought a full bitcoin on Robinhood. On XX/XX/XXXX, I sent {$2000.00} of my bitcoin to my private wallet on a different exchange and then Robinhood froze my account. I provided tons of information that they requested like -why did you send the money to the exchange -bank transactions of where MY money came from - uploaded my Drivers license and my photo As of today they permanently banned my account that I had since 2018. Saying I violated the customer agreement even though I asked how did I violate the agreement if all I did was buy crypto and send it which are both services that they offer. And they refuse to give me the details on how i violate the agreement and sending my assets back
Consumer complaint received 2023-07-12
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. (CA)

I have submitted two rounds of dispute letters to XXXX, XXXX, and Equifax on XX/XX/23 and XX/XX/23 requesting review and copies of contracts with XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX regarding illegal collection fees. I have also requested that XXXX remove inquiries from Bank XXXX XXXX that appear on my report but were made fraudulently, however, these inquiries remain on my report.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I have been consistently contacting chase personal checking account starting back in XX/XX/XXXX! I have had the same exact account since opening it back in XXXX of XXXX. I started noticing things with my account such as paper statements being created ( never received any paper statements as I have always used electronic ), my address being updated to another address I have never lived at or even know whose address it is! My security alerts being turned off? I wouldnt have shut those off because they are for security alerts that fraudulent activity is going on! My debit card I have had since opening my account & PIN number changed after I deposited my settlement check! When I called Chase customer support informing them of all of these things going on with my account, they made it seem as if there wasnt a problem? I noticed a bunch of atm withdrawals on the same day at different times?! When talking with the fraud department they mentioned that they were not notified? So I thought to myself why werent they notified? Sure enough go back into my checking account & all alerts to every chase account I had were turned off! Not once did they seem concerned and when I noticed XXXX different devices on my logins the customer support rep said it doesnt matter? How doesnt it matter?! I have used only iPhones and theres computer accessing my accounts? When I put a claim in for fraud activity such as XXXX XXXX & atm withdrawals they gave me those funds back until a day later they said they were authorized?! I asked them how can you investigate all of these transactions in a day?! They said chip enabled & geo location? Clearly someone who knows my banking habits would know to use the same locations & ftc even talks about chip enabled scams?! I asked them to please check atm videos because I didnt take all of this money out! Funny thing is when trying to do my own XXXX transaction they wouldnt let me? Saying the person I am sending money tos bank is rejecting due to fraudulent activity?! Well I have sent this person money multiple times?! I am now going to be XXXX due to Chase banks lack of investigating! I need my checking account to be investigated the proper way! It is too easy to add anyones debit card manually to send XXXX XXXX & atm withdrawals!
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-07-19
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 following accounts are violating my rights. 

XXXX XXXX CO Reported XX/XX/2022 {$10000.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$210.00} Outstanding XXXX XXXX  XXXX Reported XX/XX/2022 {$160.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$130.00} Outstanding XXXX XXXX  XXXX Reported XX/XX/2022 {$84.00} Outstanding XXXX  XXXX  XXXX Reported XX/XX/2022 {$42.00} Outstanding XXXX XXXX Reported XX/XX/2022 {$0.00} Outstanding 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 authorization.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.Furnish information about accounts or other relationships with a consumer that is accurate.C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (MS)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX CO Reported XX/XX/2022 {$10000.00} Outstanding  XXXX XXXX  XXXX Reported XX/XX/2022 {$210.00} Outstanding  XXXX XXXX XXXX Reported XX/XX/2022 {$160.00} Outstanding  XXXX XXXX XXXX Reported XX/XX/2022 {$130.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$84.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$42.00} Outstanding  XXXX XXXX Reported XX/XX/2022 {$0.00} Outstanding 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 authorization.
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL RESOURCE MANAGEMENT, INC. (SC)

I, XXXX XXXX, received notice in the mail from XXXXapital Resource Management , Inc., that I owed a debt on XX/XX/2018. Capital Resource Management , Inc., violated 5 of my federally protected consumer rights under 15 USC 1692, the Fair Debt Collection Practices Act. The violations are as follows : 1 ) 15 USC 1692b ( 5 ) - a symbol/logo was featured on the contents of the letter indicating that Capital Resource Management , Inc., is in the debt collection business, no symbols/logos are to be used ; 2 ) 15 USC 1692b ( 2 ) - my location information was obtained by Capital Resource Management , Inc., in communication with XXXX XXXX XXXX regarding the collection of debt stating that I owe a debt, which is not to be stated ; 3 ) 15 USC 1692d ( 2 ) - language was used in which the natural consequence is to abuse the hearer or reader, " pay in full to prevent further action '' ; 4 ) 15 USC 1692e ( 1 ) - false representation of an affiliation with a State ( the license number provided by Capital Resource Management , Inc., did not exist in the New York State database of the Department of Consumer Affairs ) ; 5 ) 15 USC 1692d ( 1 ) - the suggestion that Capital Resource Management , Inc., furnishes information to the Consumer reporting agencies is harmful to my reputation.
Consumer complaint received 2022-07-19
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. (TX)

In accordance with the fair credit reporting act XXXX account 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any reason.
Consumer complaint received 2022-01-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021 I sent the credit bureau a letter concerning inaccurate collection accounts on my credit report that are all reporting inaccurately. They have not conducted a proper investigation into my dispute and they have not corrected or deleted these accounts as the FCRA states. I have also reached out to the collector who furnished this inaccurate information and they too have failed to delete this inaccurate information from my credit report. This is causing me great XXXX and I want to exercise my right as a consumer and file this complaint because they violated the FCRA.
Consumer complaint received 2016-01-13
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

I received an outstanding balance notice from XXXX in XXXX Texas after XXXX. Unknown to me, while I was still in the process of contacting my insurance to resolve the debt, it was transferred to transworld systems collection agency I 'm XXXX Texas. I began suspecting that this was the case after receiving numerous rude and vague phone calls from transworld employees who refused to identify their intent or tell me how they obtained my information. After several failed attempts to contact XXXX, I resorted to google to see if there were people like me with the same issue. That was when I discovered that transworld was probably calling as a result of that outstanding balance. My problem is that I have endured several months of harassment by Transworld collection agency, and even when I called them today XXXX/XXXX/2016 to inquire as to why I was not sent a bill in the mail, I was rudely told by their employee XXXX that XXXX letters were sent to me. I never received even one correspondence from Transworld. Neither did I receive any notification from XXXX stating that my account had been transferred to this collection agency. I request that they either show proof of the XXXX notification mails that they supposedly sent to me, or they be held accountable for their shady business practices and preying on vulnerable upstanding citizens.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I had a case of identity theft or poor debt tagging. I dealt with all credit agencies to have it removed. This went through fine the first time, however the debt was resold and only Experian recognized it. After multiple disputes with me proving my identity, my address, and copies of police reports. 

This violates the FRCA, and Experian system is beyond difficult to dispute items. They make it extremely difficult to upload items with systems that don't work and often are down. The customer service line is long advertisement phone call where you are often sold on their " premium service '' and are often disconnected. I believe this is an executive decision to force people on these lines to make profit and this clearly needs to be investigated. It is clear lack of ethics and poor practice. Force people to call, never answer the calls, so I will buy a premium service to be assisted
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/2022, I mailed a check to pay off my account in the amount of {$950.00}, the check was endorsed on the back by XXXX Bank and cleared my bank on XXXX XXXX. That amount has not been credited to my account. In fact, on XX/XX/2022, they applied a {$30.00} late fee to my account. I have made numerous phone calls and sent numerous emails about this error and have not gotten a response.
Consumer complaint received 2020-07-09
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. (IL)

These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.
Consumer complaint received 2022-01-19
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. (DE)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$250.00}
Consumer complaint received 2021-11-04
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: SYNCHRONY FINANCIAL (CA)

The following accounts on my credit report are NOT mine. I have never applied for OR authorized anyone to apply for these accounts. This is a violation and the accounts need to be deleted from my credit asap. I have tried to call the creditors myself to resolve the issue but they can not find any account under my social security number. I believe the credit bureaus are misreporting these accounts onto my credit report when it belongs to someone else. Please investigate immediately. 

Old Navy XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
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. (IL)

These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (SC)

I called Experian and they stated that they can not investigate negative accounts on my credit report because they needed additional information. First of all this is a violation of the FCRA to deny me an investigation of these accounts. Second, I am not merely disputing certain aspects of these accounts as before. But, now I am disputing everything possible imaginable that is reporting on my credit regarding these accounts as well as notations. I also sent letters to each of the collectors and collectors to verify this information that they claim they have verified. 
I sent the following letters to verify accounts with the certified tracking numbers below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX