davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Failure to Respond within Requested Timeframe Dear Equifax, I hope this letter finds you well. I am writing to express my disappointment and concern regarding your failure to respond to my previous letter, dated XX/XX/2023, within the requested timeframe of 30 days. As a result, I am left with no choice but to proceed with legal action against Equifax. 

Despite providing ample time and opportunity for Equifax to address the inaccuracies on my credit report and offer fair compensation for the damages incurred, I have received no response or acknowledgment of my concerns. This lack of communication and failure to rectify the situation has only exacerbated my frustration and the harm caused by Equifax 's actions. 

I want to reiterate the seriousness of the situation and the potential legal consequences that Equifax may face because of its non-compliance with the Fair Credit Reporting Act ( FCRA ). By neglecting to respond within the requested timeframe, Equifax has demonstrated a disregard for its legal obligations and a failure to provide the necessary resolution to this matter. 

I am left with no other alternative but to engage legal counsel and pursue legal action against Equifax to seek the remedies I am entitled to under the FCRA. This includes compensation for damages, legal fees, and any other relief that the court deems appropriate. 

Equifax 's lack of response has only further damaged my financial reputation and caused emotional distress. I implore Equifax to take immediate action to address this issue and prevent the need for further legal escalation. 

I expect a written response from Equifax within 10 business days from the date of this letter. This response should provide an explanation for the failure to respond within the initial requested timeframe, a clear plan to rectify the inaccuracies on my credit report, and a fair and reasonable offer for compensation for the damages incurred. 

Please be aware that any further delay or lack of response from Equifax will only strengthen my resolve to pursue legal action and seek the full extent of the remedies available to me under the law. 

Thank you for your immediate attention to this matter. I hope that Equifax will take this final opportunity to rectify the situation promptly and avoid the need for further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one 360 closed my savings account with the balance of {$45000.00} on XXXX XXXX, and now it is XXXX XXXX. During these days, I have called the bank multiple times to inquire when my externally linked account would receive the fund, the representative said within one day or two, but I never received my fund. Their way of dealing business is like fraud, and the customer service didn't offer help at all, they were just being perfunctory and shamelessly hold my fund. They chose to close my account, no problem, but capital one 360 doesn't have any valid reasons to withhold my money for such a long time, I am losing interest everyday! In contrast, I have a checking account with them, in which I manually transferred {$200.00}, the fund arrived my externally linked account just in one day. I really regret being their loyal customer for 12 years! What a shame.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

i have been trying to get Chex Systems to unfreeze my account for over 4 months. I initially had a freeze placed on my account but that was over a year ago and I don't remember the pin I used. I've explained this to Chex Systems however each time I call, I get told that I would have a letter mailed out to my address which has yet to happen. I recently moved and the letter isn't arriving there either! I have taken it upon myself to email documents to Chex Systems however I have not received a reply from them via email. A few weeks ago I called and asked to speak to a supervisor and got transferred to someone who said that they would unfreeze my account. That has not happened. I was shopping for a car recently and was denied credit with several hits to my credit inquiry profile and nothing to show for it, specifically because of Chex Systems ' unwillingness to unfreeze my account.
Consumer complaint received 2023-10-21
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. (PA)

Contacted Transunion via telephone and mailed via certified mail request that they update my personal information to reflect my legal and correct only name to " XXXX XXXX XXXX ''. They have my legal name listed as aka - also known as - while an unknown name, " XXXX XXXX '' remains. 

Transunion has placed my credit file into jeopardy and available to fraudsters by not maintaining accurate personal information for me. 

Transunion has no legal proof that my name is " XXXX XXXX ''. I furnished them with copies of my driver 's license, social security card and utility bill verifying my correct legal name is " XXXX XXXX XXXX ''.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about XX/XX/XXXX consumer found out that Capital One Credit CorpXXXX closed account. Consumer has been a Capital One customer since XXXX with timely payments and no adverse activity. Account ( s ) were closed without explantation and company will not respond to any request to provide lawful reason ( s ) for account closing. Consumer alleges that account was closed for discriminatory lending practices by Capital One Credit Corp.
Consumer complaint received 2023-10-21
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. (TN)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HANCOCK WHITNEY BANK (LA)

Two months ago I removed my name off my ex husband bank account with Whitney Bank XXXX XXXX, LA XXXX spoke to manager XXXX. I had my old bank account on my XXXX Account they deposited my {$250.00} into my old account with my ex husband. 

I called Whitney several times to explain that the {$250.00} was deposited into a account I removed my name two months ago they told me I couldn't do anything about it. I called several times and my concerns were ignored by several employees saying nothing I could about it. The {$250.00} needs to be be reversed from his bank account. 

The money {$250.00} went to XXXX XXXX account. 
My name is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (AZ)

SOMEONE OPENED XXXX XXXX FRAUDULENTLY IN MY NAME. I HAVE SUBMITTED AN FTC REPORT AND A LETTER FROM XXXX XXXX STATING THE ACCOUNT SHOULD BE REMOVED OFF OF MY CREDIT REPORT. XXXX, XXXX AND TRANSUNION SHOULD REMOVE THESE 4 ACCOUNTS OFF OF MY CREDIT. REFER TO THE FTC FOR ALL VARIATIONS OF THE ACCOUNTS.
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are inquiries that I did not authorize reporting on my credit report. 

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
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I booked a flight through the Chase Travel portal using my credit card for {$1000.00}. Later on, the flight was changed by the airline, so I requested a cancellation and refund through Chase. 

I called Chase sometime in late XXXX, and asked that they refund the ticket as the flight schedule has been changed. Chase told me that the fare was refundable as long as I paid a {$250.00} fee. I agreed to pay the fee in exchange for the refund. 

On XX/XX/XXXX, Chase charged me {$250.00} as agreed upon, but then on XX/XX/XXXX, they refunded me {$250.00}. 

When I called again, they said that the ticket is actually not refundable and that there was miscommunication. They had instead turned the ticket into flight credit without my consent and I had to now call Chase if and when I want to use the flight credit within the next year. I had them listen to the past recording of my previous call with them where they falsely communicated to me that the fare was refundable if I paid the fee. They agreed that it was falsely communicated to me and said they would again pursue refund. But, they have not refunded me the money. It has been 2 billing cycles since they said they would refund me the money ( {$1000.00} ) in XXXX. 

Then, I called again on XX/XX/XXXX, and now the refund fee is {$260.00} which they charged on XX/XX/XXXX. They have again yet to refund me the money.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis Accurint Report ( XXXX ) to XXXX regarding the incorrect Employment Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( XXXX Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Employment Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, LexisNexis responded to XXXX Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his Accurint report can not be removed from his report. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA.
Consumer complaint received 2023-10-19
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-10-19
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( FORTIVA ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( FORTIVA ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( FORTIVA ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( FORTIVA ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to FORTIVA.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WI)

I endorsed MY dividend not to myself but rather to AMEX. I physically sent them my endorsed draft, uploaded to the AMEX dashboard and faxed it XX/XX/year>. I've attached MY endorsed dividend along with a letter from AMEX, denying my bond ; HOWEVER, MY BOND WAS NOT RETURNED TO ME. 

AMEX must defend this denial claim given LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page 78, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. '' I have record of your representatives, repeatedly promising my account was being credited withing XXXX hours, over the course of XXXX weeks of several phone calls and electronic chats. 

Additionally, before AMEX started abusing my credit, my score was XXXX. AMEX recently sent me a letter ( attached ) admitting a " RECENT REVIEW '' of my XXXX score which led to their decision to limit MY credit usage to no more than {$20000.00}. This is an INTENTIONAL VIOLATION that WAS NOT AUTHORIZED. You reference the FCRA in your letters ; however, you openly dismiss the legal requirements to ensure compliance. This is not the first violation AMEX has carelessly solicited, abusing MY credit history.
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NJ)

I am unable to access my account due to not having any access to my email or phone number. They won't let me reset it, as I am unable to pay off my loans now. I asked them if I could just pay off the loan and close the account and they they said no to me. So by withholding my account information is a crime itself because these people just took over my loan account with me having any type of access to it over two months now. I call them every 3 three days and they just explain to me that they will escalate the problem. I have no way to pay off my loans which is illegal. It's illegal to stop me from making payment and having access to my loan information.
Consumer complaint received 2024-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I received 4 loans from the lender, Sallie Mae, as an XXXX the XXXX XXXX XXXX. I am having overwhelming issues with my lender. My main issues are as follows : 1. Payment processing. My lender is re-allocating my payments and creating errors regarding the past due status of the account which is affecting my credit. On several occasions my payments have been reversed and reapplied. I can not reach a customer service representative to explain these reversals.

2. INVOLUNTARY forbearance has occurred MULTIPLE times without my knowledge or permission. This has caused my loan principle amount to grow significantly. My original debt totaled {$60000.00} and now stands at {$95000.00} despite having paid more than {$25000.00} toward the debt since they were disbursed ( disbursement dates XXXX ). 

3. Rate reduction program repayment plan was offered to me and was a deceptive tool that led me to accumulate significant unpaid interest by forcing me to wait 3 months to accumulate unpaid balance that would then get rolled into my principle when the program decreased my interest rate significantly.

3. My loan status is " disqualified ''. I have zero explanation from Navient as to what this means and why my loan status is described this way. 

I have submitted this complaint back in XXXX and the case was " closed '' but without resolution. This has now happened again in XXXX.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I was contacted by someone claiming to be an Amex fraud and complaint representative. I am writing to confirm that the person that I spoke with is in your employment They identified themselves as XXXX XXXX ID # XXXX XXXX and gave me the document number of XXXX to track my case. 

I was told that an unauthorized account was opened in my name through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The representative asked me to get a police report from the XXXX police but I was not able to because they did not have a translator available. I was told that the card could not be terminated without this report. I was told to send it to the above address. 

This case was brought to my attention because a purchase for XXXX was attempted. That transaction was denied but I was told that the card is still active. If there anything I can do to make sure that this doesn't continue?