davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (CA)

Kabbage recently responded to my XXXX complaint about a denial to a lone of credit due to text issues on the the companies behalf. They responded I didn't give all documentation.and I have to wait 60 days to apply..But te same complaint with XXXX they responded notifying of their wrong decision and invited me to reapply .please see attachment and date. They have unfair and unethical practices and they need to XXXX investigated.I attached their contradicting response with CFPB AND XXXX
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CO)

In XXXX XXXX a few days before the XXXX I received a letter from Ally Bank. This letter stated that they were closing my account. The only reason given was the Deposit Agreement clause referenced. That clause stated that they could close your account at any time for any reason. With my son 's help we called them after a lengthy wait time and hold times they said it was being closed and referenced the letter. My son talked to a supervisor who tried to open a new account for me and was unable to. 
That same day with my son 's help I got a new bank account open with another company and switched my Direct Deposit with Social Security to the new account for XXXX leaving my XXXX Social Security check in question On XX/XX/XXXX I logged into their app and saw my Savings account was closed but my Checking was not and had my XXXX Social Security check in it. I tried to do a XXXX transfer of the money and it required a verification call. With my son 's help we called them got through the verification and the transfer failed. The Customer Service representative took a look and said the Department that could help with thar would not be till Monday. 
Monday XX/XX/XXXX my son and myself called and the XXXX transferred us to Loss Prevention. He said the restriction on the account could not be removed by him but can be by Customer Service si he transferred us to the general Customer Service queue. The wait time was almost an hour and since we had been on the phone for over XXXX hour and we had to leave we hung up. 
On Tuesday XX/XX/XXXX me and my Son called back to try and get my money after 2 disconnect and almost 2 hours all they said is referenced back to the letter and said a check would be mailed but they couldn't say when the check would be mailed. 

So as of today Tuesday XX/XX/XXXX they still have XXXX of my money and I have no idea if and when I will get my money.
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

The credit bureaus refused to provide you their MOV ( Method of Verification ) for the ( SOUTHWEST CREDIT SYSTEM ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account 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 XX/XX/XXXX
Consumer complaint received 2022-10-04
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. (IL)

In accordance with the fcra, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. I did not authorize or acknowledge any of the inquiries listed below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states I have a right to privacy. 15 u.s.c.1681section 604 ( a ) section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c.1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. XXXXu.s.c.1681 c-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person 's knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-04
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. (CA)

XXXX XXXX is on my credit twice as a current, no missed payments, good standing account, then later another XXXX XXXX acct was added as delinquent. I asked XXXX XXXX what was going on they said they dont have that acct on my credit file and it doesnt belong to me and to dispute it with the bureaus. Experian marked the account as verified when even the company said it didnt belong to me. They couldnt have verified this accurately. I also asked for proof baring my signature binding a contract between us. They havent shown me any paperwork.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Because I am concerned about identity theft, I just tried to freeze my credit from the 3 credit bureaus. While 2 of the 3 took only a few minutes and were very easy to do online, Experian was not. It is very difficult to understand how to freeze your credit. It's obvious they hide how to do it on their website. Nothing about it is intuitive. What makes it worse is they try to scare you and upsell you. It's just sad and pathetic attempt to get money from consumers. We don't have a choice. We shouldn't have to jump through hoops to freeze our credit from a greedy company that we don't even have a choice to use. Your executive team or whoever thinks they are so clever by making it difficult to freeze consumer credit are just greedy and disgusting. I am disgusted that I have to use your pathetic service and am disappointed that my government does not protect me from shady, greedy, and shameful businesses like Experian.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (LA)

I called Nelnet on XX/XX/XXXX to request a refund for some payments I made during the pandemic pause. I asked for a refund of payments made on XX/XX/XXXX through XX/XX/XXXX ( totaling {$4900.00} ). I was told that the refund would be processed in 4-6 weeks and that I could call back for for information once the refund process was initiated. As of XX/XX/XXXX it has been six weeks and I have not been able to get an update. Every time I call Nelnet customer service, they tell me that the refund is still in process and they can't give me any other information.
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

The credit bureaus refused to provide you their MOV ( Method of Verification ) for ( JEFFERSON CAPITAL SYSTEMS ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account XXXX EVEN OFFERED ME CELL PHONE SERVICE IN XX/XX/2022. IF I OWED THEM MONEY WHY WOULD I BE ELIGIBLE.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: First Technology Federal Credit Union (ID)

XXXX/22- bank acct was hacked via pH call via XXXX XXXX 
XXXX22- fraud div. At bank immediately notified that I had been hacked. They locked down my accts. 
XXXX/XXXX/22 local police were called to notify them of scam/hack. They took pics of emails/invoice XXXX rec 'd regarding the purchase/hack. 
XXXX/22- bank would not speak with me til I got a new pH/number. 
XXXX/XXXX/22 traveled to local bank branch and chgd all my accts, passwords, XXXX and contact info. Was told 10 days to recover money or given a provisional credit. Told at that time Hack was a total take over of my acct and that {$980.00} had been taken out of ckg and that hackers had transferred {$2000.00} out of my savings to ckg but had not taken anything but the {$980.00} when I had called bank and notified them. 
XXXX22- called bank about {$980.00} was told that XXXX depts working on it at that pt and neither one was doing anything. Complaint was sent to bill pymt unit for cometion. Also I was told that money had been sent to Bank XXXX XXXX and that there was an email of XXXX. original # I called that strated this was XXXX. Person I spoke with was XXXX ( male, XXXX decent ). 
XXXX22- ph 'd bank about any progress XXXX22- contacted bank again and was told my 10 day resolution had started over on the 22nd and that bank had til XX/XX/22 to give a response and they also said that holding out hope of getting money back was slim. 
XXXX22- ph 'd bank again. Left msgs with XXXX, ID branch and main branch in XXXX, XXXX. No response. 
XXXX22-. Rec 'd msg from bank that they were not returning my money and suggested I call the person I sent the money to and ask them to give it back. Returned msg stating this was not going to happen I didn't know the person and didn't want them having new info on me. 
XXXX22- spoke with fraud unit 2 x. They said they weren't aware of bill pymt ctr decision and would look into further. Fraud unit called me back some 3 hrs later and told me that I was at fault and I would have to XXXX up the loss. Told them I had no idea who took my money nor had I authorized the transfer nor did I have a XXXX acct. At a loss as to how to recover stolen money from my ckg acct.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

You have no category to cover my specific problem. Lowe 's XXXX  Card expects my payment I said to them I refuse to pay for something that is defective and impossible for me to return. I also cancelled my Lowe 's XXXX  Card. XXXX XXXX admitted that XXXX XXXX sold me a defective product. I have no way of returning the defective product. Both Lowe 's and XXXX XXXX refused to pick up the defective refrigerator and provide me with a refrigerator that is not defective. I am XXXX XXXX XXXX in ill health and can not possibly move the refrigerator and I am unable to transport the refrigerator in my XXXX XXXX XXXX. I was told by XXXX XXXX the defective refrigerator must be returned to Lowe 's here in XXXX Florida at their XXXX XXXX store location to do a refund or exchange is what XXXX XXXX told meXXXX I had made several attempts to negotiate with the management at Lowe 's in person and by phone I spoke with Lowe 's on several ocassions between XXXX and early XXXX. XXXX XXXX 's had phoned me several times and I also spoke with them by phone several timesXXXX Lowe 's insisted that I must return the defective refrigerator for a refund or replacement. They give me no legal recourse.
Consumer complaint received 2024-01-30
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. (GA)

I have filed multiple complaints and disputes with XXXX TRANSUNION and XXXX regarding them disclosing without my consent my non public information and I have disputed certain accounts because there is no contract between myself and certain companies that are showing on my consumer report. I have asked that they stop disclosing my non public information as I have told them I DO NOT CONSENT and they continue to report they are also attempting to disclose more of my information to these third party companies by trying to match up addresses telephones number and inaccurate names that are appearing on my consumer report and giving this information to these companies that I have no agreements with in order to keep the accounts on my report. TRANSUNION XXXX and XXXX are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. Furthermore TRANSUNION XXXX and XXXX are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and that being reported on my report is another violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. In fact all debts are XXXX according to the indenture agreement that these companies filed with the XXXX XXXX. I will reiterate that I DO NOT CONSENT to income being reported to my consumer report nor do I consent to XXXX TRANSUNION and XXXX disclosing more of my information to try and help the companies reporting on my consumer report to match up addresses telephone numbers and names instead of doing proper investigations into my dispute they are simply just updating the accounts improperly using immoral and unfair tactics to ruin my ability to obtain credit which is a violation of my right to credit.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have the inquiries below that are not mine. I have reached out to the credit departments but they have not corrected the issue. There is a person by the name of XXXX XXXX XXXX that is using my social security number to try to open up new accounts. 

Account name XXXX reported XX/XX/XXXX XXXXXXXX XXXX  reported XXXX XXXX, XXXX
Consumer complaint received 2022-10-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-04
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

American Express, have 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 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-11
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 — Problem with personal statement of dispute
Company: Synovus Bank (CA)

I wanted to re establish my credit and got this pre paid card. 
I did not like the way they work and cancel 2 months after, they issue a late payment which it was a mistake, I did provide all information they requested and still they haven't removed a 30 day late payment ( past Duer ) they put on my credit history. 
it doest make any sense since that account had {$200.00} positive balance for me. 

I called and email several times. 
everytime they answered was that they need to close each cycle to fix it but they never fixed..
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I XXXX my babysitter her money. I hit her name and XXXX her {$200.00}. A day later she tells me she never received the money. I checked my bank records and it shows her name, XXXX. After going crazy for a few minutes trying to figure out why she never received the babysitting money, I realize I had sent it to the wrong XXXX. Apparently I had another XXXX in my recipients without even knowing. I contacted Wells Fargo right away to try to reverse the transactions and they quickly informed me it was irreversible transaction. I explained the situation to Wells Fargo, that I contacted the wrong person I send the money too and they themselves did not get the money either if not she would have return it to me. I then got the documents from XXXX XXXX inventigation and now it claims the money was sent to another phone number listed in the token/account. XXXX and all these big banks are a total scam. Wells Fargo said they would try to get my money back but they did not do the proper investigation. I am a single mother of XXXX kids. I need those {$200.00}. My next step is to open a police report. I though Wells fargo was going to do more for its customers especially because I have been a loyal longtime customer but they did not care. {$200.00} might not be alot for XXXX but to me and my family it is a whole week of food and gas. Also I do not understand why they did not keep on trying to collect the money from XXXXXXXX XXXX because that is where the money got sent to apparently. I am very disappointed with Wells Fargo. If this is not resolve I will never bank with them again, close all my accounts, let my family and friend about what they did and not to use their services ever again. Alot of my family memeber have account and auto loans with them. They are willing to close their accounts because their looking at how they are handling my situation and does not that to happen to them.