davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

In XXXX XXXX XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with XXXX XXXX prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general manager XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except one. I resubmitted and they were still denied. XXXX said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have XXXX. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other XXXX bureaus but they have been unsuccessful. So it is still on my credit report even though XXXX admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) 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 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 

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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

Please help, after reviewing a copy of my credit file I was shocked to see a collection from a company called National Credit Systems. I have never heard of this company nor the second company reporting. I never ever received anything from this company. I disputed and requested validation and nothing has come. Please help this is NOT mine.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted on-line dispute twice to all three credit bureaus ; Experian, XXXX and XXXX to have them to update my student loans in the amount of {$97000.00} as paid in full and that the account has been closed. Pay off date which is listed in the letter is XX/XX/XXXX. XXXX which is a Department of Education Servicer sent two letters to me to notify me and stated that they have contacted and sent this information to all three credit agencies. When I received the update from Experian and XXXX nothing has change on the credit file ; the amount of {$97000.00} is still outstanding, which effects my credit debt ratio and the account is still open. 

XXXX has been contacted again and stated they will try again and reassured me this information regarding pay off is still listed on their website However, I have retain personal copies of both letters. I tried a third time by submitting the same information in writing along with copies of the letters from XXXX only to receive the same results. 

For the third time I submitted the same information in writing to all three agencies, along with copies of the both letters from XXXX, only to receive the same updated information as of XX/XX/XXXX that the amount of {$97000.00} is still outstanding and the account is open and not closed. I gave both Experian and XXXX a call and spoke with a representative. Both stated that they did not receive any information from me or XXXX and that this information will remain until paid in full and even after being paid in full the information will remain on my credit file for the next 10 years.
Consumer complaint received 2023-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC (AL)

-- -- -Original Message -- -- - From : Myself Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX Cc : My Attorney Subject : Emailing : XXXX Dispute - XXXX XXXX XXXX XXXX To whom it may concern : I just spoke to XXXX XXXX XXXX XXXXXXXX XXXX XXXX today regarding the claim by XXXX that I owe them {$190.00}. I attempted to talk to them without any resolution so I sent the attached bill to XXXX XXXX and they agreed that I should not have been charged and issued a credit. The account was closed on XX/XX/XXXX and XXXX illegally kept my credit card number and made this charge after the account was closed. As you can see the bill was for service from XX/XX/XXXX through XX/XX/XXXX. I should probably just go ahead and get a lawyer and sue them but I don't want to waste time dealing with anything this minor. However, please let XXXX know that if I hear anything else regarding this issue the next response will be from my attorney. You can check my credit report and you will not find where I have ever failed to pay anything. 

Thanks,
Consumer complaint received 2023-11-05
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (IA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-17
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: U.S. BANCORP (OR)

On XX/XX/XXXX, I ordered a cosmetic item from an XXXX seller. The total cost of the item was {$11.00}. I paid for this using a combination of my US Bank XXXX XXXX XXXX card, and rewards points I had accrued by using this same card. I paid {$5.00} from my card, and the remainder of {$6.00} from my rewards points. The item showed as delivered onXX/XX/XXXX ; however when I looked in my mailbox and all around the front area of my home, the item wasn't able to be found. I have no idea where USPS delivered it. I immediately requested a replacement or refund from the seller since the fault was with USPS and I shouldn't have to pay for an item they failed to deliver. The seller refused to provide a refund, and neither XXXX nor XXXX would refund the cost since they accept USPS 's delivery status. So I contacted US Bank to raise a dispute to claim the full cost back. 
I explained that partial payment had come from my rewards points, and I specifically asked on 3 occasions during this phone call how I would get the rewards points back. I was told that it would be credited back to my rewards balance. 
I waited 2 weeks and after not hearing anything about the status, I contacted US Bank again. I was told that the dispute had been resolved in my favor and that the {$5.00} had been refunded to my account. I asked why the {$6.00} in rewards points wasn't showing in my rewards balance, and the agent couldnt provide me with an answer. I then had to wait a long time while she went to ask someone else. Eventually I was put through to someone in the rewards department. I explained the problem yet again, and this time was told that they couldn't add the funds back to my rewards account. I asked how I was supposed to receive a refund for the {$6.00} spent on an item which hadn't arrived and had been partially refunded. I also pointed out that in fact I'd been told by 3 people that in fact the amount WOULD be credited to my rewards. This agent said this wasn't possible. This is blatantly untrue. It would have been very simple to add the amount of {$6.00} to my rewards balance. But the agent just didn't want to go to the trouble to find out how to go about doing it. 
I want the amount outstanding on my now resolved disputed transaction to be credited, either to my rewards account or to my credit card balance.
Consumer complaint received 2023-11-05
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report agency , if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/ I was a victim of fraud using my Navy Federal checking account. There was a member to member payment placed in my account in the amount of {$4500.00} from a member that I dont know and never had any sent or received money from. The exact same day and debit from my checking account was done in the amount of {$4000.00} to XXXX XXXX. I didnt make any transactions at all and have been a victim of fraud but Navy Federal is not investigating this issue. I submitted a complaint and it was dismissed with no information. They didnt explain how they came to the conclusion just denied it. I also submitted a complaint to XXXX XXXX  serval times but there is no one I can speak with to successfully resolve this issue. Im frustrated because this has turned my life upside down. I need this to be properly investigated. The letters I received from Navy Federal as well as XXXX XXXX does not show proof that I made these transactions and its sad that they wouldnt provide the proof since theyre adamant on denying my claims. Im angry that I have several products with Navy Federal and this is how their treating their members.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SCA Collections, Inc. (SC)

A few weeks ago I learned, via a regular monitoring of my credit report, that there was a debt collection assigned to me as a result of an unpaid medical bill that wasn't paid by the XXXX XXXX. 

A year ago, I started getting notices from XXXX XXXX that I owed {$550.00}. I addressed the bill with the VA and they stated they would take care of it. They said there was an administrative mix-up that appeared as duplicative medical bills because I was originally admitted to XXXX hospital but then transferred and discharged from another ( without having the loop closed with the original..even though they're a part of the same system ). VA assured me they'd take care of everything. I received no notice of a pending collection agency action until I saw it reflected on my credit report. I'm in the midst of qualifying for a home loan and am devastated. Except for this derogatory remark, my rating was a perfect as one could have... never a missed or late payment.
Consumer complaint received 2023-07-17
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. (FL)

XXXX XXXX XXXX XXXX have been reporting false information on my credit profile, leading to a significant negative impact on my credit. To address this issue, I have gathered relevant documentation and reached out directly to XXXX XXXX XXXX XXXX to explain the situation and provide evidence of the inaccuracies. Additionally, I have filed disputes with the major credit bureaus, supplying them with the necessary documentation. I am closely monitoring my credit report to ensure that the false information is removed. If needed, I will seek legal assistance to protect my rights and rectify the situation.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I noticed a charge on my credit card from XXXX for the amount of {$110.00} charged on XX/XX/XXXX. I have never been or made any purchases from this website. I immediately filed a disputed transaction claim online and Wells Fargo confirmed they were investigating the claim. I received multiple emails from Wells Fargo in the next XXXX confirming they were still investigating the claim. 

On XX/XX/XXXX, I logged into my account and saw over XXXX charges from XXXX over the past 30 days. There were multiple charges that occurred on the same day. This was clearly a case of credit card fraud. I called Wells Fargo and immediately cancelled my credit card and had all the additional charges added to my disputed transaction claim. Over the next several weeks XXXX reversed over XXXX charges. I assumed Wells Fargo was working with them to reverse the fraudulent charges. 

On XX/XX/XXXX I received a letter from Wells Fargo stating they had completed their inquiry and determined I was responsible for 25 transactions from XXXX totaling {$450.00}. The letter states, " The merchant verified your personal information, which may include name, address, phone number, email, account number or card expiration date. Based on this information, we've determined the transactions to be valid '. I do not understand how this qualifies as evidence that I made the purchases. Most credit card companies would have flagged multiple purchases as fraud immediately. 

I contacted Wells Fargo numerous times over the next several months asking for evidence that I made the purchases, specifically email confirmations, tracking numbers or proof of delivery. The associates I spoke to on the phone were very sympathetic and requested a review of my case. However each time, I would receive a follow up letter from Wells Fargo denying my claim and continuing to insist I am responsible for the {$450.00}. They never provided any additional evidence that I authorized the charges or received any merchandise from the vendor. 

I would like to note that I have been a cardholder for over 10 years and have had an excellent relationship with Wells Fargo prior to this dispute. I am attaching the initial dispute claim showing the over XXXX charges from Wish.com as well as the correspondences I have received from Wells Fargo XXXX none of which provide any evidence of why I am responsible for the fraudulent charges.
Consumer complaint received 2023-11-05
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. (TX)

Identity Theft report XXXX XXXXXXXX is attached to this complaint with the following fraudulent accounts that must be removed from my Experian consumer report : XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On Friday, I attempted to login into my USAA account and was prevented from doing so. USAA was making me enter a token, but the app would not generate a token. I called USAA multiple times, and they refused to verify me without a token, I can not provide a token if the app is not generating a token. in the past, I have been able to get verified by sending a secure text message to my cell phone or answering additional security questions and for whatever reason USAA decided to remove that as an option from my account. They required that I send them a drivers license which I did and I called back asking if they could verify it so I could access my account once again, and once again again, they refuse to give me access to my account. And told me I have to wait up to three business days in order to gain access to my account. There has been no suspicious activity. There hasnt been anything unusual and Im not sure why USAA is preventing me from asking my account. They really should not be in business. At this point. Ive done everything theyve asked and Im not sure why they removed any other options From getting verified so at this point, theyre just holding my money in my account hostage and refusing to give me access
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : This letter is regarding inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This violates the Fair Credit Reporting Act Section 1681b and seriously breaches my privacy rights. I further remind you that, as in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act Enc. Driver 's License, SSN card, and Identity Theft Report.