davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX, Equifax, and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXXshall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX : #, 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 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 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KS)

XX/XX/2023 around XXXX I XXXX XXXX XXXX a applepay ( thru my US Bank Debit Card ) deposit of the amount of {$210.00} to US Bank ATM Machine at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX KS XXXX. After the deposit, I received a error receipt stating my deposit isn't reflecting my balance. This has never happen to me before! I called customer service and filed a claim with the representative, giving the rep all the information on the receipt they needed to fix and track my deposit. The rep told me it will take up to 10 days to finish my claim and recover my deposit to reflect my balance in my checking account. 10 days went by, and the claim was REJECTED, due to lack of information needed. I called customer service, and they stated they was missing XXXX and address, so they rejected the claim. I confused because I gave all that information to the claim representative in the beginning. I file another claim, with the physical address XXXX XXXX XXXX, XXXX XXXX, KS XXXX. Couldn't give them the transcode, because I no longer have the receipt. During the process of the XXXX claim, the claims department stated they needed more information, and wanted to know if I used applepay to make the deposit? Of course I said " yes '', and that was a week ago from the date of this claim.
Consumer complaint received 2023-01-31
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. (TX)

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 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened a secured card with XXXX XXXX which I funded the card with the balance which was {$200.00}. I never used the card, which was why i was startled to see XXXX late payments and a balance of {$150.00}. 

Come to find out the company stated the balance and charges came from an annual fee which was due in XXXX for {$29.00}. I was never made aware of the annual fee 's at all. Regardless late payments are a result of a consumer obligation to pay on an extension of credit. In this case the extension of credit would pertain to the secured credit card. There was no balance, the card was never used. To report a late payment for an annual fee is a violation of the FCRA and inaccurate. 

My credit worthiness has nothing to do with a hidden annual fee, this account needs to be removed immediately. Account name XXXX XXXX XXXX XXXX Acccount number, XXXX. 

Also to reiterate even if there was an annual fee, I had a balance of {$200.00} with the company the they could have easily taken {$29.00} out of the account to satisfy the annual fee. They didn't do that they closed my account and put XXXX late payments for an annual fee. this is illegal. 

Also you as a furnisher have a duty to thoroughly investigate which I am giving you time to do now, in addition you have a obligation that once you are aware of inaccurate information being reported you are required to remove them. I have made you aware of the innacuracies and I will also attach the company letter admitting the balance and late payments derived from annual fee and not the credit card itself.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I had banked with Wells Fargo before they were Wells Fargo I had my checking & savings account since 2001 when they were Wachovia. Later bought out by Wells Fargo. That being said, I NEVER had a monthly fee of any kind. 
Long story short, my home burnt down leaving me Homeless in a tent in the woods. Which also means No address to receive any mail and my cell phone was also burnt in the house fire. 
When XXXX started I was wondering why everyone I spoke with had received their STIMULUS CHECK ~ HOWEVER I had NOT. So I borrowed someone's phone to call Wells Fargos customer service ONLY to find out they had " supposedly " sent me a letter informing me I will start being charged {$10.00} each month my account doesn't have a certain amount balance. 
I never received such information due to the fact I have NO address to receive any mail. 
Needless to say, Wells Fargo CLOSED MY account. I wasn't aware of. 
DUE to the fact my account was charged $ XXXX  monthly fee and I ONLY had {$9.00} in my account. Therefore my account was CLOSED MY STIMULUS CHECK was sent back and Wells Fargo put a BAD MARK AGAINST MY CREDIT FOR {$1.00} THANK YOU for reading my story, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

Furthermore, you have failed to provide the method of verification as required under XXXX USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX  Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # XXXX, 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
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

In accordance with the Fair Credit Reporting Act LVNV account ( XXXX ) has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

LVNV funding account listed above has violated my rights for the following reasons. 

- Displaying account status as open on XXXX and XXXX. 
- Displaying a past due amount reporting on all XXXX credit bureaus. 
- Displaying terms as ( 1 ) month to all 3 credit bureaus.

- Reporting over 120 days late on XXXX credit report. 

LVNV has additionally harassed me by using this debt to reach out via phone more than XXXX times a day threatening a suit if no payment is received.
Consumer complaint received 2023-01-31
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. (LA)

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 2023-01-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Below is a letter that was sent on XX/XX/2022. I received a call this month stating that the lender sets the rates. I would like assistance with contacting the lender if possible : My name is XXXX XXXX, I currently work in the capacity of a XXXX XXXXXXXX ; due to the economy, my job has tightened funding and I need to redo my personal budget, as we are trying to keep afloat. 

I have been paying my student loans for over a decade on time and my balances are increasing rather than decreasing. Due various issues within my job and household, I am requesting an interest rate reduction and as I am experiencing financial difficulty. I am currently paying more than 15 % APR for my student loan interest on account number XXXX and 12 % for account number XXXX and it is truly taking a toll on me financially. I am requesting a reduced payment on my debt. I am requesting that I receive a reduction of 8 % as I can afford to quickly repay you. Also, I would like to request an interest abatement of six months. Please contact me, so we can come to a manageable solution as this is imperative that we do something rather sooner than later.
Consumer complaint received 2023-09-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MO)

XXXX XXXX XXXX  sent me to collections without any notice. They have my deposit but said was never received ( I have proof they have the deposit ). Currently the debt collections is {$690.00} which I shouldn't owe. Deposit was {$500.00} XX/XX/2021.
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I have an online bank account with XXXX, I use this for my high yield savings account. I also have an account with Chase Bank. My husband and I were in the process of buying a house & needed transfer XXXX to the Chase account so we could initiate a wire transfer. When I attempted to do this, I found that Chase would not accept the money because they needed to " verify that I had funds in the external account ''. Soon after this a block was put on my account & I could n't access my account online. I was told I had to go into to a branch to verify my identity. After I did this, I was assured this would n't happen again, but it did. I had been looking for a motorcycle & found XXXX! All I needed to do was transfer the money to chase so I could get a money order. Well, Chase once again apparently thought I was trying to commit fraud & put a hold on my account! I was told again that I have to go into a branch to verify my identity, ( I was just in a branch earlier same morning ). Meanwhile, nobody will tell me why my account has been blocked! They just treat me like I 'm a criminal & tell me I need to go into a branch to verify my identity! My dream motorcycle may be sold to someone else simply because Chase wo n't accept a transfer! It 's as if Chase does n't like what I 'm doing with my money! It 's my XXXX money! Why am I being treated like a criminal for simply attempting to transfer money TO my Chase account?! I will be closing this account ASAP!
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

On XX/XX/2022, my fiance ( XXXX XXXX ph : XXXX ) refunded my half of the rent in the amount of {$500.00}. Then sent an additional {$500.00} so i could purchase a money order as she would be working late. the {$500.00} she sent was successfully deposited, but the {$500.00} that she refunded to me disappeared. We have spent hours trying to get this resolved. We both have called Cash App support and they continually tell us that its been refunded and that we need to speak to the bank. However, when we go to the bank they have told us that it was never refunded into his account and theres nothing that they can do without a pending transaction to work with, its been over a month and {$500.00} is too much to just chalk up as a loss. Cash app is unhelpful and we dont know what else to do at this point please help us the bank has no access to any pending transaction and can not help us. Cash app will not help us, and the money has disappeared. I have photos of the chat messages between cash app support, and ourselves. I have requested that they three-way call XXXX ( my bank ) and myself so that they can hear from the bank that it was never sent back, but they refuse to do so. I feel like if both the bank and cash app were to be on the phone at the same time we might be able to resolve the situation, but cash app will not do that
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX XXXX but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
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: FC HoldCo LLC (CT)

XX/XX/2021 Flagship Acceptance made a hard inquiry on my report. That I never authorized and I do not have an account with this company. I asked them to investigate the matter and they stated they needed further information and proof that I notified consumer financial protection bureau. However, they did say they could not find my account and needed further details.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to XXXX, but they have indicated I need to submit a fraud report through CFPB.
Consumer complaint received 2023-01-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc. (TN)

Today XX/XX/2023 i received a call from Gm Financial at XXXX. spoke with a representative and advised that i was in a public places and couldn't talk. Then at XXXX XXXX I received an email stating they were having difficulty reaching me. This has happened more than once and should be documented in their records. This is considered double contact in the same day and harassment.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC (PA)

To Whom it May Concern : A Hard inquiry was performed on XX/XX/2023 to my Credit by XXXX XXXX ( CNAC ) which was not authorized by me. I have not signed any paperwork or applied for any auto leases or loans through this or any other Company. While my husband does have a outstanding loan with this company, my information was not used, in full or in part, on any of the paperwork pertaining to this loan. I have not given Verbal permission, or Authorization of any form as well. I feel that my personal Information has been compromised as I did not give them any of my Information, such as but not limited to, my Social Security Number, or Date of Birth. I feel as though this is a attempt to steal my identity and use my information in any way that they seem fit without. I would greatly appreciate if this issue could be investigated and evaluated to the fullest extent. Thank you for your time, dedication, and service. 

Sincerely, XXXX XXXX