davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} This will be my follow-up to ensure that the accounts are validated.
Consumer complaint received 2023-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I underwent XXXX in XX/XX/2023. Received bill from my physician and paid full amount. Discovered that physicians office submitted to wrong insurance provider so no insurance paid. We provided corrected information, they submitted for and received insurance payment. 

We were due a refund of {$1000.00}. 

We received a PrePaid Debit Card in that amount issued by Fifth Third Bank. 

We did not authorize creation of that prepaid card and expected our refund in the form of a check. Since the funds are held in an account that I did not authorize, nor can I fully control use of the funds in that account. This is a blatant abuse of power and misuse of my funds. 

The bank and the physicians office appear to be the ones benefiting from this arrangement. They are earning interest on my funds while I can not access and put those funds to use to earn interest for myself. 

The physicians office is XXXX XXXX XXXX ; the physician is XXXX XXXX. I've contacted them directly and asked for a refund in the form of a check and was told NO. 

I will be contacting the State of Washington Attorney Generals ' office as well If you need additional information please contact me and I will be happy to provide anything you might need.
Consumer complaint received 2023-10-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DC)

On XX/XX/XXXX, XXXX XXXX from Genesis credit reached out to me regarding an outstanding debt to XXXX XXXX for an apartment I vacated back in XXXX. The representative requested I pay the amount of {$2600.00} quoting an invoice the rental company sent in XXXX of XXXX. Said invoice charged an alleged unpaid month of rent, XX/XX/XXXX. I explained to him that the invoice he was using was preceded by a redacted invoice sent in XXXX of XXXX where the rental company accredited the month of rent for the amount of {$2100.00} which was the result of a promotion the company had that consisted of the first month of rent being free if I moved in within a certain date but their system wasn't updated properly and it didn't recognize the unpaid first month as part of the promotion but rather tagged it as unpaid. After I reached out to the company, they provided the credit under - Unapplied Payments/Credits on XX/XX/XXXX, with the credit description of " rent '' thus confirming this was an error on their end and bringing down the balance to a total of {$410.00} I explained this to the representative, and he stated that this information was irrelevant to his duty because his only job was to " collect the debt ''. I have sent him my statements showing the rent payment and I have provided the redacted bill from the rental company, but he claims that I must pay the {$410.00} in full for him to validate my dispute and it is required for me to show " good faith '' by paying this in order to him to investigate. I stated I do not feel comfortable paying this amount without him properly validating and adjusting the claims and he said that if I refuse to pay, he will note my account as " refused payment '' and he will send me directly to the credit bureaus. I feel this is abusive in his part, as a representative of a debt collecting agency, I feel it's his duty to validate my claims specially having provided him with evidence that support my dispute and I feel coerced into making a payment without being given the courtesy to validate my claims. I am afraid that after I make the payment, he is demanding he will not move forward with investigating my claims and then I will still be sent to collection for the amount I'm being wrongfully charged. 

In the three interactions I have had with this employee, he has used every tactic in the book, manipulation, intimidation and coercion to try to get me to settle and pay the amount he deems appropriate. If they are doing this to me, they're most definitely attempting to take advantage of others, I have the fortune of working in Finance which allows me to know better than to give in their tactics, but what about those who are not familiar with their rights? They get taken advantage of or worse, sent to collection without due process.
Consumer complaint received 2023-10-23
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)

According to 15 U.S.C 1681b XXXX has violated my rights. 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
Also according to 15 U.S.C 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. 
( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE, THAT SUCH INFORMATION MAY BE DISCLOSED TO SUCH THIRD PARTY.

1.PERMISSABLE PURPOSE = WRITTEN INSTRUCTIONS.

2. WITH PERMISSABLE PURPOSE = CONSENT 3. WITHOUT PERMISSABLE PURPOSE = IDENTITY THEFT. 
I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS OR CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT. 
WHICH MAKES THIS IDENTITY THEFT.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2023 three payments of {$200.00} each were deducted from my checking account but only two of the payments were credited to my account. Unable to get thru by phone I emailed customer service and none of their responses made sense even though I had sent them proof from my bank account that the payments had been made. 

When I finally got thru to some one the phone they puled the proof that I had sent via email and handled the dispute telling me it would take 72 hours and that if I didnt hear back to contact them again. Upon contacting them after 72 hours I was told that a letter would be sent to me and that I would have to wait for that, the letter came today. Nothing on my account at their website, no decision from the person I spoke to, no decision via email. 
As stated in my attached letter their resolution doesn't make any sense as they stated that I requested a transfer from " the account ending in XXXX ''. I don't have an account ending in XXXX and would like that clarified as the insinuation is that they are transferring the payment from one of my accounts to another. This company has no idea what customer service is.
Consumer complaint received 2023-03-22
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. (NC)

My name is XXXX 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.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

My message to them after they denied my victim claim. It explaind again to anothet fraud office there what happened. -- -- I received your message today that you intend to close the new checking account because of the horrendous fraud committed on the old account 3 days ago. I was a victim of this performed by a national crime ring. I called the XXXX XXXX XXXX XXXX XXXX XXXX that is on the stolen checks that were deposited into my account. The company representative said they get roughly 30 calls per day on this scam. She said one lady was scammed out of {$30000.00}. 
These people are obviously professionals. My part was applying for a loan online and followed instructions to get what I needed. I played no part in the fraud on purpose. If you look at those check deposits you will see the signatures are not mine. They were stolen, pictures taken, deposited online and Chase honored them. I did nothing wrong to warrant being held responsible for this fraud. I paid out 2 bills in the morning before you restricted the XXXX account. I did try to stop the XXXX payment of {$120.00}, but she refunded it instead of canceling it. That should be coming back into my account and I need that back to pay my phone bill as I am unemployed and have been for 9 months! Also coming in to that account on XX/XX/23, is my Social Security check that covers my rent and car payment. Please allow the XXXX account to remain open to receive that check and I will come in a get it that morning, and then you can close that account. I called SSA yesterday, but she said they need at least 2 weeks notice for the system to make a change in a direct deposit completion. If you close that account it will be kicked back, and my rent and car payment will be seriously delinquent. I can not afford that. Please work with me on this. I didn't commit this fraud, I am an XXXX XXXX, and I need Chase 's help with this. 
Thank you. 
XX/XX/23 They have informed me tat they are closing both accounts and will take my SS check on XX/XX/XXXX. This is wrong! These scammers are pros and I am NOT a professional victim. The rep said to today that is I don't pay it back they will press charges eventually. I am a XXXX, and have NO marks on my records at all. I do not deserve this.
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (CA)

I was in an accident where my car was declared as a total loss by XXXX XXXX. They obtained the lease pay-off from BMW in the amount of {$45000.00}. XXXX XXXX  sent BMW Financial Services on XXXX a payment amount of {$55000.00}. The payment was confirmed received by BMW Financial Services as of XX/XX/23 which is the latest date that I have contacted them. I have attempted for BMW Financial Services many times to refund me the difference as the pay-off was beyond the amount owned to BMW Financial Services in the amount of {$10000.00}. This is the amount of equity I have built into the car after making payments. BWM Financial Services is refusing to refund me the overage in pay-off and they insist on keeping my {$10000.00} equity in the vehicle.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently filed a complaint with this CRA in regards to XXXX XXXX and XXXX XXXX and XXXX XXXX and submitted all necessary documents on XX/XX/2023. The company closed this case. They did not block the information as requested so I called and spoke to a supervisor by the name of XXXX operator XXXX and they are stating that the CFPB did not provide them the complaint and my documents. I gave them the complaint number and they still deny receiving this from you all. It has been over 30 days and this account needs to be removed. They also removed a XXXX XXXX account that I did not dispute. I also submitted paperwork from the company XXXX XXXX where they did an investigation and deemed the account fraudulent and requested removal and they ignored that.
Consumer complaint received 2023-10-25
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. (TN)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-10-25
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)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MI)

I received am American express gift card from work. On XX/XX/XXXX, I saw an unauthorized charge made the previous Friday ( this was Monday I called and filed the complaint ). I have made repeated calls to them and have received nothing but the runaround. I have a case number of XXXX. The latest story I am being told is that the case was closed ( with no notification ) and that it was re-opened on XX/XX/XXXX when I called once again. 
I am now being told that it will be another 45 days from that date for a decision. The fraudulent charge is {$300.00} and there is a small balance on the card outside of this amount. They are not making any attempt to inform me of the status or if they will even issue a new card for the balance outside of the fraudulent charge. 
I have confirmed my contact information every time and am getting nowhere. They were notified of the fraudulent charge while it was still pending yet they have done nothing.
Consumer complaint received 2023-10-25
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: AFNI INC. (IL)

On XX/XX/XXXX  Afni, INC. Comcast has added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Afni, INC. Comcast has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-03-22
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. (CO)

When I investigated my credit report, I realized that some of the information was 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 update these items. 

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 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

I applied for SAVE program XX/XX/2023. My application showed as reviewed and completed by Nelnet, my loan servicer, as of XXXX XXXX. My account showed a balance of over {$700.00} due XX/XX/XXXX, while studentloans.gov showed {$590.00}. 

I called Nelnet XXXX XXXX. I had to wait through a hold of nearly two hours. A customer service representative informed me that the company is delayed in approving the SAVE applications and I should expect that I would be placed into an administrative forbearance again if the due date were reached and Nelnet had still not completed their review of the application. She confirmed that the amount should and would match studentloans.gov. The entire call took less than 5 minutes. 

By XX/XX/XXXX ( today ), my account showed a past due balance of the incorrect amount previously mentioned, and had now doubled as the same amount was now due for XXXX as well. 

I called Nelnet and again was placed on a hold of nearly two hours. The customer service rep who helped me this time again told me that the application had not been processed because Nelnet is behind. She informed me that my only options to avoid past due payments piling up and affecting my credit were paying the current balance or to be placed into a hardship forbearance which would be removed once the application is processed. I was informed the forbearance does not count toward my months paid as I work toward forgiveness under the Income Driven or SAVE plans, even though none of this is my fault and I would have paid the correct amount had Nelnet finished their review. I agreed to allow the Nelnet representative to place me into the hardship forbearance, as that was my only option because I can not afford to pay the due amount, which is now more than {$1500.00}.

Throughout this entire process I have never received any correspondence about my application from Nelnet, despite the original guarantee that I'd hear something within 5-10 days of when I applied as well as every 10 days following that. The representative said the company is aware of problems with this correspondence, but she could not provide me any information in writing to confirm.

I was also informed that once the application is reviewed by Nelnet, I'll be required to pay a {$5.00} fee to move my loans into the SAVE program, which seems outrageous considering I'm already paying hundreds of thousands of dollars and have had such a nightmare getting any communications from them about this move.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

- on XX/XX/2023, TD bank sent a letter stating that they do not have an inquiry as the BOFD from XXXX  of funds improperly withdrawn from my XXXX personal Account. 
- on XX/XX/2023 received a letter from XXXX stating that they have sent two requests to receive the funds back.- ( please see the last two pages of the document as proof of letters sent to TD bank ) SEE ATTACHED NOT A DUPLICATE
Consumer complaint received 2023-10-25
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. (FL)

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.

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 2023-10-25
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. (NV)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam.