davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The account with number XXXX is not mine. The only legitimate XXXX account I have is associated with XXXX. My personal information was compromised in a data breach, which led to this unauthorized account being reported. I request the immediate removal of this account from my credit report. Your reporting is both negligent and inaccurate, violating the Fair Credit Reporting Act ( FCRA ). Please take corrective action to comply with federal regulations and ensure accurate reporting.
Consumer complaint received 2023-12-11
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. (TX)

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to XXXX XXXX and XXXX XXXX Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WA)

Im XXXX yrs old and I was trying to help my kids financially. They thought my kids were taking advantage of me so they locked up my account and sent APS to my sons house where I live. We live far away from Navy Federal Credit Union so I cant go into a branch. My daughter in-law has tried to send what they are requesting in writing through fax, text and emails but they keep saying they arent receiving them. We only have our phones and laptop to work with and not that bright when it comes to a computer. Can you help us I have attempted to send these files to them 10 times from XXXX
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (CA)

I informed this company of its improper use of information and the laws that were being broken. The accounts below are being reported as closed account when these accounts never belonged to me. This is impacting my score and my future. 
Account : XXXX  Needs to be removed inaccurate detail being reported are attached. 

Also this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Has been asked to be removed for over a year now after all documentation has been provided. 
Please Remove.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. Let me be unequivocal : if you persist in denying my rightful dispute, I will not hesitate to pursue legal action against your bureau and any other entities involved in this gross negligence. I am prepared to take this matter to court and seek significant damages for the distress and harm caused by your willful noncompliance. Here are the accounts I needed to be removed : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX  XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results. 

Also i reached out to the creditor and they made me aware that they have inform the credit reporting agencies with instructions to adjust their records for my credit history, to remove the negative credit information reported on the report
Consumer complaint received 2023-12-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to express my extreme dissatisfaction and frustration regarding the lack of response and cooperation from the creditors in validating the debt associated with the accounts listed below. This matter is of utmost urgency, and your blatant disregard for providing the necessary documentation is unacceptable. Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. BANK OF AMERICA , N.A . XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

Can not access account as it was closed. Since a new account was created, I can not access XXXX XXXX information or any previous account information so as to pay my bills, receive deposits. XXXX is frozen to me since I am not first name on account held as as shared account -- my husband is listed as primary. He died, so I can not access his, mine, and our accounts. Legally married since XXXX XXXX, XXXX, with proof of marriage license. This money is mine since he is deceased all monies and access of accounts are mine. XXXX XXXX caused the account to be closed and a new account established. I am no longer able to access the account to pay bills or receive auto. deposits from Social Security, XXXX, any money coming to me. I can not receive Government deposits to the new account. The original account will not be carried over to the new account. My bills are going into collection and my income is not coming in it is being bounced out and the SDCCU is not allowing those deposits into the new account. BAD ENOUGH THAT MY HUSBAND OF XXXX XXXX IS DEAD, I CAN NOT USE MY MONEY! WHERE IS IT GOING! THIS HAS TO BE A CRIME. I am desperate to get this resolved. Please, please, please help me access SAN DIEGO COUNTY CREDIT UNION -- my funds!
Consumer complaint received 2023-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SD)

Changed banks, in XX/XX/XXXX   submitted a request online with Navient to change my auto pay to new account ( I have been on auto pay for 20 years and have 10 more to go ). Recd email stating autopay approved with new bank. XX/XX/XXXX, Navient took autopay out of old bank acct. XX/XX/, resubmitted new autopay online and received email confirming new autopay. XX/XX/XXXX Navient did not take out autopay from any account. Called Navient to resolve. Through several phone calls was told that they would put my XXXX payment into Administrative forebearance, my loan terms would not change and I would not lose my .25 % interest reduction for timely auto pay payments. The automated electronic contract did not state the same terms that the representatives had told me, it stated a regular forebearance with interest capitalized, etc. You can not get out of the automated contract to speak to the representative without agreeing to the contract. I raised my concerns to 2 different representatives ( Navient made the mistake of not starting my autopay correctly, I did not want my payment to change or lose my interest rate reduction, or receive a late pay on my credit report, and that the automated contract did not state what they had told me ). Each representative said the same thing, that this was an Administrative forebearance that my payment and interest rate would stay the same and no late payment would be reported to the credit bureaus. Since Navient considered my XXXX payment overdue and required both my XXXX and XXXX payments to bring my account current, I had not choice but to accept their Administration forebearance, Today, I received my confirmation of autopay with Navient, and as I feared there was no Administrative forbearance, my loan payment changed from {$330.00} to {$340.00} dollars per month and since I have 10 more years to pay on this loan it will increase the overall cost of my loan by at least {$600.00}. I will not know until next month, but I imagine I will also get reported to the credit bureaus for late payment and lose my .25 % interest reduction.
Consumer complaint received 2023-12-09
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. (WA)

I filed a dispute with Equifax because an old delinquent account remains on my credit report past the time it shall remain on report. This account went delinquent in XXXX and closed XXXX. According to Equifax, there site states Generally speaking, negative information such as late or missed payments, accounts that have been sent to collection agencies, accounts not being paid as agreed, or bankruptcies stays on credit reports for approximately seven years. Its almost been 9 years. I disputed this because this is an error, I should not have to fight to have this fixed, especially when they state themselves 7 years since the account became delinquent. I have been very responsible since this and its a shame they cant fix their error. I appreciate any help in the matter.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XX/XX/2023 I place an order for a mobility chair with XXXX for {$42.00}. After ; waiting for quite a while, I finally received notice from USPS that my item was undeliverable and to come to the Post Office to pick it up. The reason they couldn't deliver it was because the sender did not include postage for it. When I got to the post office they showed me a small padded envelope that contained a box the size of an index card. I would have to pay {$5.00} postage if I wanted to take the package. Knowing it wasn't a mobility chair I declined and the PO didn't offer me anything to show that I declined the small package. On XX/XX/XXXX, I called Capital One to file a dispute on the purchase saying I had not received what I ordered. Capital One immediate gave me a temporary credit for {$42.00} on my Capital One card. On XX/XX/XXXX I received an electric correspondence from Capital One that they had requested further information on the transaction and I didn't respond. I did not receive a request for further information. Capital one then reapplied the charge of {$42.00}. I had to scan and digitize the info I had and send that back to them. I received an electronic notice from them that the information I had sent did not fulfill their requirements to receive a credit. I had made phone calls all through this to see what I needed to do. My problem is that Capital One advertises any problems with purchases they will work with me to get an answer. In the meantime, the only way to correspond to XXXX was through email and the last few attempts would not go through. Capital One said to contact the company for further assistance.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (KY)

Received notification that a new account was added to my credit report from monitoring service via my credit union. Credit Report was from XXXX. Report contained the following information : account balance {$870.00} account number XXXX address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX creditor name online information service industry type other collection agencies I have no knowledge of this company or any outstanding balance connected to the account. From the information I received wasn't sure if I should start with the complaint or contact XXXX.
Consumer complaint received 2023-12-08
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)

I am sending this complaint due to the fact I have reach out to Experian Credit Bureau to let them know these are unauthorized inquiry and I would like them removed as soon ad possiable it has been passed 60 days and these items are still there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mid-South Adjustment Co., Inc. (AR)

I, XXXX XXXX, am formally writing this complaint regarding a debt collection company by the name MID SOUTH ADJUSTMENT CO who sued me for a debt that was barred. The collection agency stated that they had been attempting to collect on this specific debt since XXXX of XXXX. If I'm not mistaken, the statute of limitations for debt in regards of collections is 5 years in the state of ARKANSAS. I was sued 9 years later. I was sued for this debt in XX/XX/XXXX. This is abusive and desperate. A default judgement was brought against me, and my wages are being garnished. I am aware that debt collectors tend to often times take advantage of uninformed consumers. I filed a complaint initially against them concerning this matter and the debt collection agency responded that they were in compliance with the FCRA and FDCPA. The Debt Collection Rule prohibits debt collectors from collecting on debt passed the statute of limitations. It is illegal. So, how did this go over my head? MID SOUTH ADJUSTMENT CO was not honest in that initial communication from the previous CFPB complaint, and this is a violation of 15 USC 1692e ( 10 ). I did not receive documentation for a summons to court or perhaps it was sent to an old address? If this is the case, someone else was served and not me which is be a violation of the FDCPA per Acquisition of Location Information. I did not receive any calls, emails, or mail from this company. The FDCPA also clearly states per 15 USC 1692i ( b ) " Legal actions by debt collectors '' - ( b ) Authorization of actions - " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. ''
Consumer complaint received 2023-12-09
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. (TN)

Equifax is intentionally hurting my credit. They do not do their job with investigations. I have recently disputed XXXX XXXX inquiry on XX/XX/XXXXXXXX  and they did not remove it. I asked for them to provide me proof of how they came to that decision and nothing. Just oh the company said it was yours. Again, I disputed this in XX/XX/XXXX and again on XXXX that I disputed this last and within a few outs they made that decision. Im guessing they did no research at all nor contacted XXXX XXXX. I personally reached out to chase last month with a dispute and they asked for all creditors to remove the inquiry. Even sent me a letter to let me know what they have done. Yet Equifax said the inquiry was validated. Im sorry but now compensation of {$1000.00} is owed to me as they have violated my rights for not properly investigating my dispute. Equifax is not trustworthy credit reporting agency and need to be held responsible for this mistake they have made multiple times over the past 90 days. This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately And compensate me for the mistake
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX  writing to the Consumer Financial Protection Bureau to seek proper handling of my claims to Wells Fargo to prevent illegal activities and abuse on my account. I was double charged and subject to illegal activities on my account via XXXX XXXX XXXX XXXX XXXX and the XXXX firm XXXX XXXX via XXXX. By rejecting these disputes on my account which took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 respectively, Wells Fargo is claiming that double charges and XXXX XXXX  did not occur and are hiding correspondence from the merchants conceming my case in a manner similar to XXXX XXXX  propagated by XXXX XXXX and his affliates. 
Wells Fargo 's unscrupulous activities has resulted in a {$1600.00} dispute loss despite the fact the XXXX merchant had agreed to refund my trip via their own online policy ( attached ) and XXXX has already issued me a partial refund. By requesting me to file a police report instead of offering a full refund for these double charged purchases and illegal activities Wells Fargo 's is attempting to falsify and defraud XXXX citizens like myself and discredit the investigations of the XXXX XXXXXXXX XXXX XXXX. Wells Fargo, by rejecting my claim disputes are endorsing illegal activities such as a human trafficking incident that occurred with gotogate.com and has been reported to the Department XXXX XXXX XXXX and XXXX XXXX Department on XX/XX/2023 at XXXX XXXX. 
Wells Fargo is supposed to be committed to providing customers like myself quality investigations and disputes services but instead XXXX dismissed my claims in an unprofessional manner. Moreover, on XX/XX/XXXX and XX/XX/XXXX, reported the total {$1600.00} credit card fraud/dispute loss to Wells Fargo and on XX/XX/XXXX it was reported to me that the dispute ID XXXX for XXXX ( {$600.00} ) and dispute ID XXXX for gotogate for ( {$800.00} involving XXXX, confiscation Of passports and filing fraudulent COVID residency report to pass through XXXX hour layover in XXXX, XXXX XXXX under credit card ending in XXXX was denied. When I called to refute this claim and visited the XXXX VA branch on XXXX occasions in XX/XX/2023, Wells Fargo has refused to provide legitimate documentation stating they have corresponded with the merchants and when I requested this documented correspondence from the merchant from the Wells Fargo XXXX XXXX in the XXXX on XX/XX/XXXX they refused to provide this correspondence. Well 's Fargo behavior is tantamount to terrorism and I am seeking a full reimbursement of the {$1600.00} disputed amount as I have been a customer with Wells Fargo for over XXXX years and I wish to continue a productive working relationship with Wells Fargo in the community. I have also attached the police report XXXX XXXX, Escalation Representative from Wells Fargo, recommended I file with the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 ( filed on XXXX ).
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Army and Air Force Exchange Service (NC)

I called the AAFES Exchange Crwdit Program on XX/XX/XXXX to verify that i qualified for the promotional XXXX XXXX  discount on first days purchase. It was a new card, new credit check, and I had never had a retail card with them before. I made my initial purchase on XX/XX/XXXX. When i looked at my bill in XXXX there was no discount applied. I called on XX/XX/XXXX and was told that the discount would not be offered because of a different account i had that was for military clothing only. I was told to send an email and i did so, which has not yet been answered. I also called again on XX/XX/XXXX and was given the same information. This promotion discount that caused me to apply for this card was the only reason I had done my purchase this way. I had called the company before applying for the card and before making purchases. No after the fact they say a credit card that was not a retail card ( military clothing only ), prevents me from using this discount. This seems misleading, illegal, and amounts to almost XXXX XXXX dollars of missed discount. Had I been given accurate information i would never have opened this card or purchased it through AAFES.