davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, 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 obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, 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 and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, 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 your reporting services.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (GA)

According to the fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumer 's right to privacy. XXXX, 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 it's customers and to protect the security and confidentiality of those customers nonpublic personal information. The financial Institution and the consumer reporting agencies XXXX, 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 and XXXX, whether it be verbal, non verbal, written implied or otherwise is revoked. XXXX, 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 your reporting.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: ROBINHOOD MARKETS INC. (NY)

On XX/XX/XXXX, I received notification that payments on my XXXX credit card account would be reflected as " Robinhood Card '' on my statements. It was unclear to me from this notice whether this meant XXXX is now or was at any time owned by Robinhood. 

On XX/XX/XXXX, I received a notification that my credit limit decreased by {$2100.00} as a result of periodic account review. I was informed if I made a payment of {$4000.00}, my limit would be restored back to its original limit. I did not make the additional payment. 

On XX/XX/XXXX, I made a partial payment on my account in the amount of {$300.00}. The credit did not post to my account until on or around XX/XX/XXXX. 

On XX/XX/XXXX, I made an additional payment on my account in the amount of {$300.00}, as it was unclear whether my XX/XX/XXXX payment was or had processed. The credit did not post to my account until on or around XX/XX/XXXX. 

Prior to this change to Robinhood on XX/XX/XXXX, any payments to my account would reflect immediately without delay and on the same day the payment was initiated. In addition, it appears my credit limit was reduced intentionally in order to bring me over my credit limit to charge additional over the limit fees and increase my interest rate, as well as negatively impact my credit score by reflecting a high usage to limit ratio. I have never been late on payments on my account and I have not ever gone over my limit until the credit limit change was initiated by Robinhood. I believe these actions are predatory acts by Robinhood and done intentionally to collect late payment and over the limit fees, including increasing interest rates as a result of any over the limit breaches.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-05-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Equifax, 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 obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies Equifax, 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 Equifax, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. Equifax, 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 your reporting services.
Consumer complaint received 2019-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (TX)

My younger sons email account was hacked by a person who has stalked and harassed me and my sons for the last three years. My sons email has been banned and he isn't able to use his account. Her name is XXXX XXXX XXXX and has hacked into all if our XXXX accounts using my direct express debit card. All of our passwords and debit card info is in my XXXX account. These unauthorized purchases have been made in the last 4 months. They were to XXXX XXXX, XXXX XXXX, and XXXX XXXX,.
Consumer complaint received 2020-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I opened a online account with chase I was instantly approved and deposited a large amount of money to me into the account so I wouldn't be charged maintenance fees That was on XX/XX/2020. Before I even got my debit card in the mail they froze my account for suspected fraud. I called to unfreeze my account but they told me I needed to go to my local bank during my states shut down do to COVID-19. I had to call them back after I tried to contact the banks and they said they will close my account within seven days then send me my remaining balance that was on XX/XX/2020. I received a letter in the mail marked XX/XX/2020 on XX/XX/2020 telling me that my account has been froze and they will send me my final closure letter but never received that letter. I called them back on XX/XX/2020 The first representative I contacted I could not understand at all and she told me the same thing that I needed to go to my local chase bank that is over a hour away. I contacted the backs and after needing to call multiple ones I reached the only one that might be seeing people in person and they told me I needed to make a appointment online. I tried to make one but none showed up in my area and The only appointment I could make was over the phone. I called the number I have been told to call XXXX and the representative hung up on me after waiting on the phone for over 25 minutes that is the time it took every time I called chase. I called back at got a representative in the United States and he finally told me that they never closed my account fully and he would start the processes and have my check mailed to me. I still have not received the check and suspect that chase bank is trying to steal my money. I received a credit card statement for my amazon rewards card that is through them and it is not closed yet either even though I can not access the account but no odd charges are on it.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I requested and received from Chase Bank an e-mail with a code for a {$600.00} sign-up bonus for new customers. I received this e-mail on XX/XX/2019 at XXXX XXXX to my personal e-mail address. This e-mail is shown as Figure 1. I followed the steps exactly as shown on the e-mail and clicked the blue Open an account button with the fine print which reads, Coupon code automatically applied. Once I opened the account I set up direct deposit and deposited the qualifying amount of new money as described. I followed up three months later and was told I never entered the code, much to my dismay since the coupon code should have been automatically applied. 

Anyway, fast forward to today and through numerous calls with Chase customer Service and Research Department staff, too many to recount here, Chase Research Department staff XXXX ( Contact XXXX extension XXXX ) finally got back to me with the unfortunate news. On XX/XX/2019 at XXXX XXXX and lasting 17 minutes, XXXX began to inform me that the XXXX researching my case ( whom I was not able to speak to ) stated that the customer ( myself ) had not applied a coupon code nor navigated to Chase offer page around the time of account opening. I explained to her that I did not need to do any of that because the email stated that the coupon code was automatically applied! I was notably upset, and she refused to assist in any other way other than insisting there was nothing more she could do. In addition, there was no way I could forward to the Chase Researchers any documents to make my case. In addition, they would NOT provide me with the reasoning in writing as their findings. They stated that, and Im quoting, the research findings are internal documents. This feels like a financial institution not wanting to keep auditable and legal documents available. Chase needs to release these documents, fix their email promotion system and award me with the {$600.00}. I am looking for the CFPB ( Consumer Financial Protections Bureau ) or the OCC ( Office of the Comptroller of the Currency ) to assist in this manner. 

And, on a more basic human level, does it even matter technically what happened? If the email link broke and there was some sort of technical glitch, I am a new Chase customer that followed every step of the terms of the promotion, just a few days after a promotional code was emailed directly to my very active, main personal email account. It just seems utterly ridiculous that Chase would refuse to honor this and the way I was treated and the service I received is unbecoming of such a large national institution.
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

Hello. This complaint is very simple in nature. I am filing a complaint against Enhanced Recovery Corporation as well as XXXX and XXXX XXXX. The reason being I have disputed an account on my credit report to the credit bureaus in question as well as directly to the creditor. I submitted these notices on the XXXX of XXXX this year. It is my understanding these companies have 30 days from receipt of my notice to provide me with investigation results. The collector is also supposed to provide me with itemization within 30 days of my request to prove the validity of this debt. I have not received either. 

Just to make things very clear, I am not an unreasonable person. Clearly things are a little delayed due to COVID-19, but that does not excuse these companies from doing their job altogether. Even if the mail was a little delayed in arriving to these companies, There has been more than ample time and opportunity for these companies to begin an investigation. Not only did I not receive any notices with investigation results, I have reviewed XXXX XXXX  and an XXXX  report as of today, and there is no note on the Enhanced Recovery collection account that any investigation or dispute is even taking place! Please know that I am very diligent when it comes to researching so I was able to obtain a valid address for XXXX XXXX and submitted my request to them via mail to XXXX XXXX. XXXX XXXX  XXXX, PA XXXX. I also sent a notice to XXXX  at XXXX  XXXX. XXXX XXXX XXXX, TX XXXX. I also sent a notice to Enhanced Recovery Collections at XXXX XXXX XXXX, XXXX, FL XXXX. NONE OF THESE COMPANIES HAVE RESPONDED IN ANY WAY! 

At this point I need this collection to be removed from my credit report. Even if this was a legitimate collection, these companies have not adhered to the Fair Credit Reporting Act or the Fair Debt Collection Practices Act respectively. Thank you for your assistance in this matter.
Consumer complaint received 2020-08-31
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. (MA)

Spoke to XXXX  XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX  XXXX Agent advised me to do
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (SC)

Dear Sir or Madam : I am writing today to submit two complaints concerning Wells Fargo Card Services. 

During XXXX, I spoke over the phone with representatives from their Credit Dispute Department and their Recovery Department on four separate occasions regarding this account. During three of the four interactions, I was incorrectly informed that a 1099-C was pending. During three of those calls, no one could offer me an estimated time for how long this pending action would take. Finally, on XXXX XX/XX/XXXX, when calling for the fifth time, I was once again told that the 1099 was pending. After disagreeing that that could be possible, the representative investigated more deeply and discovered the truth : that on XXXX XX/XX/XXXX, the 1099 was mailed out ( though I never received it ) and had never been pending during any of those phone conversations. Upon my request, the representative mailed me a new copy of the 1099-C. 

My first complaint, therefore, would be poor record-keeping ; Wells Fargo consistently provided incorrect information, only finding the answer after I insisted that something was amiss during a fifth phone call over the course of 14 months. 

My second complaint involves their policy concerning how they report this account to the credit bureaus. They have continued reporting the account as charged-off with a balance due of {$5900.00} every month following the issuance of the above referenced 1099-C for tax year XXXX. Unable to resolve this reporting over the phone, I submitted a dispute to all three credit bureaus XXXX XX/XX/XXXX, but Wells Fargo stands firm that they are reporting correctly. 

Well Fargo is forcing me to declare {$5200.00} as income while simultaneously reporting that written off amount on my credit report, severely damaging my credit score. The issue here is that I am legally obligated to pay taxes on the above amount as income, which Wells Fargo has written off. Simultaneously, they claim that I owe them this written off amount. Such action unjustly doubles the debt to which I am responsible, an outcome not legally acceptable. One can not be punished for the same crime twice and one can not owe the same debt twice. 

I appreciate your assistance with these issues.
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (FL)

DELETE HARD INQUIRIES. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer inges to privacy and confidentiality under 15 UC 1681 The accounts below have violated my rights 15 USC 1681 section 602A, States I have the night to privacy 15 USC Bar Section 004 A Section 2 : It also states a consumer reporting pency camot Sumish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may maka any consumer report containing any of the following items of information Any other adverse em of information, other than records of of convictions of crimes which antedates the report by moe than seven years 15 USC 1681-2 ( A ) ( a ) A person shall not furnish any information relating to a consumber to any consumer reporting agency if the person knows or has reasonable cause to believe that Information is inaccurate.

Delete the accounts bellow : XXXX XXXX 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 2019-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NY)

I refinanced my student loan through XXXX and they paid the full amount on XX/XX/XXXX to XXXX  XXXX XXXX XXXX and XXXX XXXX. The amount that was paid was XXXX, XXXX. XXXX dollars and had two different overpayments, one of XXXX and second XXXX. For the past 4 months, I am trying to get the refund of my overpayment return but I been getting no help regarding the information. In XXXX and XXXX, I called twice a week but no help. In XXXX I was able to get in touch with the supervisor and asked for information and she stated she will get back to be in 48 hours and had her phone number, I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and left messages and no answer or return of my call. On XXXX I learn that supervisor no longer works there and no one listens to the message or were able to locate my XXXX dollars. On that date, I also spoke with a new supervisor who also stated that he will go through proper channels to get my over-payment returned in 48 hours. I called back on XXXX, no update.