davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustments Inc (OH)

I constantly receive calls from ( XXXX  ) XXXX and they usually leave messages simply stating that " this call is from a debt collector ''. They never mention the name of the company they are working, or my name, or what the supposed debt is for or what the dollar amount is. I never call them back because I do not owe any debt and this sounds like a scam. I figured that they would eventually quit calling me since I never answer their call but it's been 4 months now and the calls have only become MORE frequent ( weekly ). Sometimes I receive calls from other numbers that sound very similar but I certainly can't prove that the calls are connected. So far, I have received calls from this number XXXX on the following dates and times : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX   XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX  XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX Is there anyway I can stop this?
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

I used my XXXXissued XXXX card to purchase a travel vacation from XXXX on XX/XX/2021, for specific travel dates valued at {$840.00}. While buying the package, the agency ( XXXX  ) told me that the dates were available, and I sent them all my credit card details and signed the forms. But after the purchase, they told me the dates were unavailable and asked me to travel on different dates, which I refused and asked for a refund which they agreed to ( attached email confirmation ). But they never refunded the money. I contacted Citibank and disputed the charge. I provided all information indicating the vendor agreed to refund but never did so. After months of back and forth, I provided all the documents that Citibank asked me, and It seemed to me that I convinced them that I deserved a refund. But on XXXX, Citibank sent a letter ( attached here ) saying that " unable to obtain compensation from the merchant, your account has been rebilled. We now consider this investigation complete. '' I contacted Citibank again, and they could not give me any refund saying they were unable to contact the Vendor from where I purchased. My request to speak to their manager got denied, saying they could do nothing more. I feel that I deserved the refund, and {$840.00} is much money and our family vacation budget for this year. Would you please help me get a refund? Thank you! 
Sincerely XXXX XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc. (MI)

Over 7years ago XXXX bank card started taking money from my other charge cards! 
They were taken to court in XXXX and paid damages BUT did not put back money that they took from my XXXX bank card! 
In XXXX the case against me by XXXX  was dismissed I have been getting threating phone calls again from N.A.R. 6 to 10 times a day! 
XXXX Bank took over XXXX from most of the card that I had to cancel!!!!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Hello, I consolidated all my loans ( Federal stafford, Graduate plus, etc ) back in XXXX Navient. Navient left out 7 loans from XXXX & XXXX from the consolidation and never offered to add this loans back into one consolidated loans even though they were eligible. Now when I am trying to apply for Public Service Loan Forgiveness program, I am being informed that not a single payment made for the last 7 years under the IBR will not count towards the forgiveness program. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Credit Acceptance marked XX/XX/XXXX on my XXXX  report. I tried to contact Credit Acceptance directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to Credit Acceptance XX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.gov/XXXX
Consumer complaint received 2018-11-02
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. (TN)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXXXXXX XXXX, XXXX/ XXXX XXXX ( duplicate on my credit report ), XXXX XXXX ( duplicate on my credit report ), XXXX/ XXXX   XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX ( multiple entries on my credit report ), XXXX   XXXX XXXX XXXX ( multiple entries on my credit report ) , XXXXXXXX XXXX ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

. I looked at my Experian XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 16815-2 they are suppose to 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 accounts is inaccurate.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX- Account number : XXXX This account isnt mine. Please provide the description of the procedure of the investigation used to verify this account if you cant please delete this account immediately. 


I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

I received a letter from you stating that the account was verified but I never signed up for this it even says " joint? '' I would like to know what was verified as this is incorrect. Please remove from my credit report.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I reported fraudulent activity on my chase account to a chase support specialist. I explained there were 3 pending XXXX charges that same day. A {$1000.00}, {$100.00}, {$870.00} to two individuals I have no knowledge of whom they are or who authorized the charges. I was told by a chase specialist they were going to look into my account activity. I was just told due to the charges being authorized on their system there was nothing else they could do and I would not receive any money back. I felt I was not being treated fairly and received no help whatsoever. I have been with Chase for years and Ive been using XXXX for a consecutive year and never came across this issue. Its incredibly terrible how I have to put my money in a bank and feel my money is not in good hands.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$2900.00}
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

TD advertises free checking with criteria and with free online banking and telebanking. When you meet the account criteria for 'free ' account, TD then charges for the bank statement to be delivered. TD conceals the fact that you must pay for the bank statement with any account. 

TD does not have functional online banking or telebanking. TD then asks us to verify our identity by describing transactions, which we are trying to learn about. We can't get a record of transactions and then TD claims it is verifying our identity by interrogating us about transactions. This violates our privacy and blames us for not being able to access our accounts. Because we don't know the transaction history we have to physically drive and come in to a branch with ID during their hours to get basic transaction history. This extorted labor is a disguised fee. 

With telebanking you can not hear all types of transactions within the given time period. With online banking it is impossible to get access to it. I was advertised to by TD online and I opened the account online and then, after giving all of my information and opening the account online, was told I had to visit the branch simply to verify my identity. In fact, the account was not opened online. When I went in they had to open the account and the whole thing took another 2 hours. I specifically asked about online banking physically inside TD bank and was told that they certainly did have online banking and it was free. I was told that I could deposit checks online and make transfers and pay bills online. This is not true. I have had the account open 2 months and have never been able to access online banking. I have called 4 times and spent a minimum of 1 hour to more than 2 hours on the phone every time I call. I can not access online banking, which was advertised to me online.

1. TD falsely advertises access to online banking and telebanking.

2. TD falsely advertises 'free ' checking when you meet the criteria by charging for a bank statement and by concealing that charge.

3. TD extorts labor from its customers, forcing us to labor for hours attempting to access online banking or telebanking.

4. TD must compensate us for our extorted labor to access our accounts, lack of access to transactions by printed statement, online banking, or telebanking. 

The false advertising gets our money to TD, then we get transactions going and are stuck in this situation, subsidizing TD 's profits with our extorted labor until we can resolve the matter and then go through the expense of going to another bank.
Consumer complaint received 2024-08-06
Product: Credit reporting 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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I was looking over my credit report XX/XX/year> and found some addresses that appear to be incorrect. And according to the fair credit reporting act 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. 

Experian continue to report my name, my address and phone number incorrect on my credit report. 

Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Foris DAX, Inc. (TX)

I have a XXXX  debit card from crypto.com it is called the XXXX XXXX XXXX card excuse me XXXX XXXX XXXX metal card. I had to stake {$400.00} of crow which is cryptos.com 's own cryptocurrency. It has grown to be almost XXXX but that is money that I can't even move myself if I wanted to I can not log on to the account using the email I created. XXXX I can not get in touch with their support agents I have emailed them I've called the number on the back of a Visa card which is supposed to have all the protections of any other bank in the United States.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MS)

In the beginning of XXXX I got an offer to apply for an Exxon Mobil Smart card and receive a savings of {$0.00} off per gallon of gas every time I fill up for the first 2 months, as long as I pay with the card linked through the Exxon app. I received the card on XX/XX/21 and linked it to my app. I then filled my tank using the card linked through the app as payment. The price of gas at the pump was {$3.00}. Using this payment method my cost per gallon was {$3.00} This was a savings of only {$0.00} and not the advertised savings of {$0.00} per gallon. I have emailed the company about this and gotten no response. I am linking a screenshot of this offer which can be found at XXXX XXXX XXXX