davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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. (MS)

I have sent disputes to Equifax on the accounts below for reporting these unverified and inaccurate accounts violating FDCPA 809b. This company has continuously failed to validate and or correct these erroneous accounts. Equifax In accordance with the Fair Credit Reporting Act, the accounts listed below also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX 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 or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 Section 604 A Section 2- States A consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

I checked my account first thing in the morning as I was waiting on two seperate deposits to hit my account. When I checked the account I seen the deposits had posted. A few hours later I went to withdrawl funds and noticed the amount was off I pulled what I could and contacted the bank. I spoke with one representative who claimed the deposits never even happened even though I insisted I was currently looking at the account and seen them then withdrew some of the funds so I know the deposits had posted. He then told me that he couldn't hear me to help despite this not being an issue prior. He told me that there was nothing he can do as the deposits weren't there and got increasingly more rude as I advised the deposits went through so I asked for a supervisor. The supervisor repeated that the deposits never happened then magically advised she sees them and that the funds were not available because I spent the money prior to it hitting my account. I advised her that couldn't be the case as if that happened I would not have been able to withdrawal any money that morning. She then changed her account of my transactions but was still providing inaccurate information and advised me she was just reading the transactions on my account I advised her she was skipping transactions which was my issue how am I supposed to believe what she is saying if I know for a fact the information she is providing is inaccurate she then got rude and advised I should go to a branch then if I don't like the information that she is providing. I let her know I would like to file a complaint and she still didn't offer further assistance but instead continued to ask me if I would like to go to a branch to talk with them and when I again told her I'd like to file a complaint she then kept repeating that she couldn't hear me. It was extremely frustrating to try to get answers and be talked down to and have people I trust with my money unable to answer questions about transactions.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I was missing a couple of checks that I sent out to pay some of my bills. I checked XXXX and the water company and they have not received my payment yet. After noticing the missing checks, on XX/XX/XXXX, someone from Wells Fargo called my phone and stated that there is suspicious activity in my account. She asked if I withdrew money, which I did not. 
Once I got the call, on XX/XX/XXXX, I went to the bank to report the suspicious activity. I then told them that I am missing the checks. The banker said to change my checking account number and open a new one. I closed the old checking account number and thought everything is done. However, on XX/XX/XXXX, someone successfully took money from my new checking account. In total, they stole {$17000.00} ( checkings and savings ). The banker was also confused because the checking account is new. I went to the bank again to file a complaint and the banker documented everything. He was very helpful to me.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

In XX/XX/XXXX i made claim out to Wells Fargo that my online and debit cards were compromised as there was muitiple transactions and withdrawals out my account that were not authorized along side of me not being able to log into my account and they have refereed the problem to claims department where they didnt even review it then denied my claim never sent a letter of why they did or wether a investigation took place then they referred the problem to the high dollar fraud team in which they dont have a phone number to and no one from the company has been able to access the so known high dollar fraud team as weeks go by I continue calling claims center where they say they dont have acess to my claim as its being handled by high dollar fraud then months later I get a phone call from the branch I made a complaint to and they said oh its out of the time line we cant do anything to get your money back so I am out about XXXX and the account was in the negative since they didnt want solve the problem and kept charging me. This is legal theft by a broken financial system that hires third party companies to take care of their call centers and loop people back and forth to give up on getting their money back while god knows where all the money goes
Consumer complaint received 2021-11-12
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
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. (FL)

in 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 an account without my written instructions
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

Hello its with cash app. I have direct deposit and received my Check on Wednesday @ XXXX. By XXXX my cash app had been charged {$350.00} and {$110.00} at a target In XXXXXXXX XXXX XXXX I didnt authorize or make this purchase I immediately locked my account and reported card stolen with cash app. I was told I had to let the pending transactions finish pending to dispute the charge. I had {$260.00} left in my cash app account the next morning while Im at work another {$350.00} transaction and and another {$110.00} transaction occurs which made me negative {$200.00} or {$200.00} something like that! Now I cant even got negative on cash app if you dont have the funds its declined period. So I contacted cash app and was told ok we can block the merchant and stop the pending transactions hmmm I jus called the day before and they couldnt do anything but once they see its negative oh they can help cause there money gone thats how I took it but needless to say I had my {$260.00} back immediately. But what about the other charges from day before? I was told ten business days to investigate. Ive submitted documents that I was at work the days of the purchase to be technical I had got off work a little after 4. But theres no way I can make it to NY and make these purchases. XX/XX/XXXX I was told my dispute was denied. Please help if you can Im currently working my XXXX off and cant afford to be robbed I get paid every two weeks and I have {$260.00} to last me the next two weeks. Jus to give a insight I bought a car last year and transmission went out its at the shop {$2000.00} to get out I have a car note {$330.00} and my house that I lived in last six seven years is up for foreclosure and the land lord never told us we got all documents in mail. I have a XXXX XXXX XXXX son thats starting high school soon. Im saying all this to say I CAN NOT AFFORD THIS LOST!! And Im so tired of cash app XXXX and Im determined to get my money back!!
Consumer complaint received 2021-03-05
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. (IL)

XX/XX/XXXX To Whom It May Concern, Transunion is violating and not abiding by the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) of 1968. With Transunion violating and not abiding by these laws it has affected my right to obtain credit and my quality of life. On XX/XX/XXXX I ordered my Transunion Credit Report and noticed some inaccuracies with a duplicated student loan Creditor ( XXXX ) on account # 's XXXX and XXXX. On XX/XX/XXXX I sent a 609-letter certified mail requesting Transunion to investigate the duplicate accounts # from creditor and to provide me with documentation to validate their investigation these duplicated accounts with creditor. On XX/XX/XXXX I received correspondence back from Transunion with no validation of the duplicate account # 's and creditor as they still appeared on my Transunion credit report. On XX/XX/XXXX, I sent a 609-letter demanding the validation of their investigation of duplicate accounts and creditor via certified mail. On XX/XX/XXXX Transunion still has not provided me the validation that I am entitled. That is violating my Fair Credit Reporting Act rights and Consumer Credit Protection Act rights because they continue to report false, deceptive information regarding account 's and creditor. I need CFPB help in ensuring Transunion abides by the laws in place that protect me as a consumer.
Consumer complaint received 2023-02-16
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. (IN)

I contacted Equifax XX/XX/2023 regarding medical collection in the amount of {$100.00}. I told them by law medical bills under {$500.00} are suppose to be deleted. 
They refuse to delete it. 
This is a medical bill that went into XXXX XXXX collections.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

American Express offered me XXXX Membership Rewards point if I turn on " Pay over time '' feature for my Gold card. However, It has been two months and American Express has not honored this promotional bonus. I contacted customer services twice and they claim they are still investigating.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service (VA)

The following company never proved their methods of verification through several stages of written credit disputes : XXXXMILITARY STAR The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Consumer complaint received 2021-10-14
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: Prosper Marketplace, Inc. (AZ)

At the end of XXXX and XXXX I attempted to make my payment to Prosper Marketplace. I looked in their website to see if the payment posted and it looked like it had but then it never came out of my account and showed failed payment on their site the next day. I called them and they said it came back as non transactional. I said that it was a basic checking account and we went over account and touting numbers and they had the numbers completely wrong. We tried it again and again the same thing happened. I called them back and this person was very rude and condescending and said to me well you obviously dont have money in your account. I stressed to him that indeed I did and we proceeded to use a different account also with money in it. He said that one worked so I thought we were done. The next day I checked and again it stated that the payment had failed. I called prosper once again and this time I spoke with a girl named XXXX who was very nice. I explained what had been happening and she was surprised the payment would not come out. She and I went over the account numbers again. She said the most recent added account came back as a non able to find account, and the other non transactional. This was the beginning of XXXX. I stressed to her how I would do what it took to make the payment on time because I was trying to refinance my home and could not afford a late payment. I told her I would call my bank and ask why it kept coming back as non transactional. I spoke with the bank and they sent me an email verifying that my checking account was not non transactional and only a savings account would show up like that. I sent that email to prosper. I finally added one more account and transferred money to it and that one finally worked on XX/XX/XXXX, one day past 30 days. They reported my account as delinquent and my credit score dropped over 100 points and I was no longer able to refinance my home. I called Prosper and they said sorry but our team decides that. I said cant you see all the notes beginning in XXXX? He said yes and that he would send a note to the dispute team. The next day my dispute came back as verified. I then tried to dispute it again with XXXX and they said I couldnt because I had already disputed it. So, I am so angry at these people because I did everything in my power to make this payment and it was an obvious error on their part. I have not had any late payments in over 2 years and my XXXX XXXX went from XXXX in XXXX to XXXX. I am so devastated right now I dont even know how to recover from this. I cant even refinance my car so I can pay off all my bills and mostly Prosper. They said my score was way too low now.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION. 

IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME. 

THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).
Consumer complaint received 2022-07-31
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. (OH)

over the last year I have been disputing the inaccuracies on my credit file. I requested the credit bureaus provide verification for accuracy of a some accounts. They completed their investigation several times and stated the companies stated everything reporting was reporting accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. Below are the accounts in question XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX in accordance with the fair credit reporting act these accounts below have violated my consumer rights under 15 U.S.C 1681 sec 623 ( D ) States if information is found to be inaccurate, it must share information with all other consumer reporting agencies 15 U.S.C 1681 sec 602 A. It states I have the right to privacy 15 U.S. C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction
Consumer complaint received 2022-07-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (IL)

XX/XX/XXXX, Navy Federal Credit Union was notified by phone of my desire to rescind the alleged debt. In XXXX my desire to rescind the consumer credit transaction was faxed to Navy Federal 's dispute office. 

I asked for this consumer credit transaction to rescinded pursuant 15 USC 1635 of the Truth in Lending Act. My request has been denied numerous times by Navy Federal Credit Union without explanation. 

Navy Federal Credit Union has never responded to my affidavits in regards too this alleged account. 

Navy Federal has mailed 4 promissory notes that do not hold my wet signature. Those promissory note were mailed to me the natural person after I request debt validation pursuant 15 USC 1692g I demand Navy Federal Credit Union produce the actual promissory note or remove themselves from all consumer reports, and zero out my balance while removing all negative remarks form my consumer reports immediately. 

Navy Federal is attempting to ruin my credit, by refusing my request to rescind this transaction. NFCU I demand a copy of the promissory note. 

As a debt collector NFCU is attempting to violate 15 USC 1692e ( 4 ) and 15 USC 1692f ( 6 ).
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Previously deleted accounts continue to be furnished on new reports without new or accurate information. Should be permanently removed per FCRA requirements. 

Accounts closed and deleted as a result of COVID 19 Natural Disaster reappearing on report. 

Continue to report inaccurate account balance after statement was provided. 

Anything thats been disputed in last two years had made its rounds of reappearing with no new relevant info. Credit score has been a roller coaster.
Consumer complaint received 2022-12-19
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. (PA)

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 15 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, 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 reporting containing any of the following items of information, any other adverse items 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 a reasonable cause to believe that information is inaccurate.