davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

equifax has my credit report all wrong and is refusing to fix it. Listed in the potentially negative is XXXX accounts that were never paid late. The credit report actually shows paid as agreed but yet they have it listed in potentially negative part of my report. These accounts should be listed in the satisfactory part of my report. Having this incorrect information reporting like this affecting my credit score which in turn is making it difficult for me to obtain credit.
Consumer complaint received 2021-04-05
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: DISCOVER BANK (OH)

Discover Card needs to 1. Delete any and all negative information that they posted on my account and/or in my credit file. 
2. Delete all charges posted by XXXX and/or Discover Card. 
3. Send me a letter that this has been taken care of as requested.
Consumer complaint received 2019-11-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Facts : I was contacted on my landline phone by a XXXX representative who informed me that XXXX was to return {$500.00} for services I purchased years ago which had been discontinued. They already had my checking account number and had me check to see if the {$500.00} was deposited. I checked, no ... XXXX, phone number XXXX stated check again ... no ... so then XXXX stated he needed to use the XXXX XXXX   server account to deposit the amount ... He pulled up a XXXX XXXX  server where I was to put my name and amount of {$500.00} to be transferred to my account. Instead of putting {$500.00}, I accidentally added an extra XXXX which I was unable to delete and was verified. {$5000.00} was placed into my account ... due to the mistake, XXXX 's superiors would not understand the mistake and place the blame on XXXX who would lose his job. XXXX, his manager, phone number XXXX informed me that I needed to withdraw $ XXXX and send to a XXXX  Agent to replenish the extra amount which I did. I withdrew {$4500.00} cash and mailed to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Ca XXXX by overnight XXXX XXXX. XXXX then informed me the next day, that XXXX XXXX  wrongfully put another {$4500.00} into my account ... again, I was to keep {$500.00} for my services and mail {$4000.00} to a XXXX  Agent which I did to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, CA XXXX. 

Bottom Line, {$5000.00} was taken out as a cash advance on my Premier credit card and another {$4500.00} taken out of my line of credit without my authorization or permission. US Bank Fraud has denied since they said it was a scam. 

My accounts are with US Bank and I now have a lost of {$8500.00} minus the two {$500.00} deposits. 

I can be contacted at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-11-02
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: EQUIFAX, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. Additionally, some of these accounts are more than 10 years old and has to be removed per the FCRA laws.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I got my experion credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called XXXX XXXX XXXX after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from XXXX XXXX XXXX that says to call the credit bureaus! XXXX XXXX XXXX  reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate people ... ..
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (GA)

Closed an checking account with Customer Service via telephone. This did not happen. Which resulted in overdraft fees and bank not letting me to reopen a new account with them or any other banking institution. And lower credit score.
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

IC Systems has filed a collection notice with the credit XXXX, XXXX and XXXX for a debt of {$2300.00}. I have no knowledge of this debt to XXXX XXXX XXXX XXXX. I have never had any account with XXXX XXXX XXXX XXXX. IC System has not provided any documentation to validate this supposed debt. I have worked for a satellite provider for the last XXXX years and receive free programming so would not use another programming provider. IC System has only communicated by email which is automatically going to junk mail.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX/XXXX/16 I discovered unauthorized charges from XXXX/XXXX/16 totaling almost {$8000.00} & the loss of XXXX in reward points. I immediately called TD to alert them of the problem. I was told to give them XXXX hours to correct my account and that it was a widespread problem affecting numerous customers. I contacted the company 3 more times & was told different stories by different representatives. 

I sent a certified letter on XXXX/XXXX/16 requesting the money to be credited back to me and also to restore my reward points. The charges were credited back but the reward points were not. 

On XXXX/XXXX/16 I called to request a resolution to restoring my points and I was assured by them they would get back to me within a few days. No one has returned my call and TD has not restored my points, so I respectfully request the CFPB 's help in resolving this matter.
Consumer complaint received 2017-09-01
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. (TX)

Obtained free annual credit report from Transunion on XX/XX/XXXX. The high balance in the report for a credit card was {$13000.00} from XX/XX/XXXX to XX/XX/XXXX with a credit limit of {$24000.00}. That is a utilization ratio of 56 % which is WAY more than the 30 % utilization ratio recommended for good credit score! That number is nearly double the correct value of {$6000.00} for month XX/XX/XXXX which is a utilization ratio of 25 % ... under the good credit criterion of 30 %. The report itself shows the account balance for every month between XX/XX/XXXX and XX/XX/XXXX ( see attachment 1 ) with the value of {$6000.00} for XX/XX/XXXX. I filed a dispute with XXXX bank about the high balance being wrong. Their reply was that they had provided accurate monthly data to Transunion and had no control over how Transunion stored and used the data. I then filed a dispute with Transunion about the high balance being wrong. Their revised report still had the value of {$13000.00} BUT also removed all the monthly balances which demonstrated that the {$13000.00} was wrong. I then refiled the dispute. The reply to the refiling was " VERIFIED AS ACCURATE ''. Attachment 2 shows the report dated XX/XX/XXXX shows the incorrect {$13000.00} with NO monthly balances to show the value is wrong ( see attachment 2 )
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I was offered a remediation payment in XXXX of XXXX by XXXX XXXX while speaking over the phone, the amount of which is {$3700.00} plus estimated IRS taxes totaling {$5100.00}. As explained in numerous prior CFPB complaints, no payment received to date including a supposed reissue of payment in XXXX of XXXX, after I moved in XXXX of XXXX. Wells Fargo rep last replied by stating this issue of non-receipt was thoroughly invested which is bogus. The " thorough investigation '' includes verifying address provided which I moved from, no longer live at, in which case no payment received if sent to.. They have not shown any proof of what address they were provided, even if they were given old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, that is not a release from non-receipt of payment or funds owed. As I recall, the payment was supposed to have been sent via XXXX with signature required, according to Wells Fargo rep by the name of XXXX XXXX whom I was a working with at the time.. No package from XXXX was received and nothing signed for since I moved in XXXX of XXXX, this includes my new address at XXXX XXXX XXXX , XXXX XXXX , CT XXXX. Further, a mediation payment in the amount of {$500.00} plus IRS taxes was not received, supposedly sent in XXXX of XXXX, do not know which carrier used to send, whether it be XXXX, XXXX, USPS. I have not received any mailings to current address nor XXXX or XXXX packages from Wells Fargo. Most recently, as of XXXX and XXXX, I've called in to Wells Fargo Executive Phone bank as well as other various numbers including ones to XXXX, the company whom issues checks on behalf of Wells Fargo, given numerous different numbers to call in regard to missing payments, a total of six different numbers provided which include both Wells Fargo departments and XXXX ... All of the numbers provided are incorrect, nothing to do with Wells Fargo remediation with regard to unauthorized accounts opened by Wells Fargo.. In order to obtain correct number, I looked up XXXX website at XXXX, found a number for their location in XXXX, OR, called a number with a XXXX area code, obtained correct number for remediation ... However, my claim for missing payments remains unaddressed/resolved, have been unable to find out status as of today, XXXX. The relevance of this is Wells Fargo reps appear to give out numerous bogus numbers to dissuade their customers from reaching correct dept and thus, paying them. I would request CFPB look into this behavior, which Wells Fargo will apologize for but do nothing expect for refer to address verified which again, does not act as release for funds still owed. In the event Wells Fargo shows cashed checks, they were not cashed by myself in which case they need to investigate that issue, possibly intercepted by person ( s ) now living at my old address
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MD)

On XX/XX/2019, we had Sear Air Duct Cleaning clean the air ducts in our home and arranged for a uv light system to be installed to help prevent mold in the system. The bill was for {$3000.00} plus {$840.00} for the uv light system. We were charged for {$3800.00} but the uv light system was not installed and because they repeatedly made appointments but did not install the system, I called and canceled the uv lights but they remain on the bill to this day. 

The first scheduled appointment they canceled because they told me they did not have the lights in stock. The second one they did not have a technician. The third time, they said it was supposed to be heavy rain and they would come in the afternoon but they did not and we waited around for them all day. I tried to call them on the phone several times and could not reach them so i left a message to cancel the uv lights. They never returned my calls. The credit card people, Shop Your Way have been telling me they are looking into the dispute but I first filed it in XXXX and it is still on the bill as of XX/XX/2019. 
On XX/XX/XXXX I tried to reach the supervisor at Sears 5 times and he never returned my calls. I e.mailed Sears at XXXX and never got a reply. 

Because the lights were canceled and never installed, I do not intend to pay that amount of the bill but I do not want my credit standing to be at risk and would like to get this matter settled in an equitable manner.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NC)

I have a federal student loan with Navient. I have come into a situation in where i am on XXXX due to and injury. i expressed this had ship to Navient and asked to defer my payments and they placed me on forbearance instead.
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CASHCALL, INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CASHCALL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

For several years I have not been able to access my EQUIFAX credit report via free annual website. Identification questions ask me obscure information from old accounts that I do not recognize. I have had to send in written request to obtain report. I attempted to access my report via EQUIFAX website which was also unsuccessful. No problem with XXXX  or XXXX XXXX reports.
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (IL)

I DID NOT RECEIVE Notice from ENHANCED RECOVERY COMPAN ( i.e. the Debt Collection Agency ) of my Statutory Right to dispute this so-called XXXX XXXX XXXX XXXX debt of {$1.00}, XXXX. 

Had I RECEIVED Notice, I would have informed ENHANCED RECOVERY COMPAN, that it was attempting to collect a Debt that I NEVER OWED in the first place because I HAD CLOSED the XXXX XXXX XXXX Wireless phone service account due to malfunctioning in XXXX XXXX XXXX provision of service to me. 

Further, I would have informed ENHANCED RECOVERY COMPAN that the Consumer Financial Protection Bureau had vindicated me by ORDERING the REMOVAL from my CREDIT REPORT of the same XXXX XXXX XXXX XXXX debt of {$1200.00} in TWO SEPARATELY FILED CFPB Complaints that I had filed in XXXX & XXXX against two Debt Collection Agencies who had acquired this same so-called XXXX XXXX XXXX XXXX debt of {$1200.00} that ENHANCED RECOVERY COMPAN is now ILLEGALLY attempting to collect. Although I can not readily recall the Reference Numbers of my TWO previously filed CFPB Complaints, these my previously VINDICATED Complaints in XXXX and XXXX are a MATTER OF PUBLIC RECORD.
Consumer complaint received 2019-11-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Student loan through Navient. 
I have 3 loans, 2 with lower interest rate, 1 with a higher rate. Payment plan is automatic at {$1300.00} per month ; {$830.00} to the lower interest loans and {$470.00} to the higher interest loan. 
I made an additional {$1000.00} dollar payment directed to the higher interest loan XX/XX/2019. This was done specifically to pay off the higher interest loan faster. 
On the following 2 months of auto-pay, the monthly {$1300.00} changed in distribution to {$1100.00} toward the lower interest loans and decreasing to {$170.00} toward the higher interest loan. 
This obviously negates my ability to pay off higher interest loans faster than lower interest loans. It is not much money difference to me, but I doubt this practice is legal and when applied to numerous customers it probably adds up to big money for Navient. I would be happy to be a part of a class action suit.
Consumer complaint received 2024-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (PA)

I have a recurring payment set up with this company, XXXX is the name on the initial transaction, from my debit card ending in XXXX from M & T bank. It is a recurring payment in the amount of XXXX dollars every Friday for XXXX weeks. It was a purchase for a program I need. On XX/XX/year> the company mentioned above attempted a transaction in the amount of XXXX as I agreed to, I got a text message from M & T with a fraud alert asking for a Y or N reply if it was me. I replied y. The next day the company mentioned above tried the transaction again and again I got a text message from the fraud department and again I replied Y it is me. Still denied. So the company is patient I have been in contact with them wasting my precious time. I called the bank this morning, was asked a series of questions pertaining to my account, then I was asked what these transactions are for, and that was it, I lost my temper. This has NOTHING to do with a fraud " protection '' and everything to do with an invasion of privacy. That bank wants to know who my payments are going to in XXXX. Bottom line here is, I paid the initial XXXX dollars, my account was positive for the automatic XXXX dollars, plus I paid the international fees. I want this bank reprimanded for not minding their own business when I called and answered all the questions pertaining to my account, and was still denied a service provided by that bank because I chose to not provide information that is not needed to them. Who I pay and what for is my business.