davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (KY)

On Saturday XX/XX/XXXX I purchased a XXXX XXXX card for XXXX from XXXX. Sent info to my granddaughter in another country, as I have many times before with other cards. She could not activate it and neither can I. 
I took it to XXXX to exchange with receipt in hand, and they wouldn't help. 
I started trying to reach the number on the card but they were closed. 
Got up early today, Monday, and called the number again. I spoke to customer service at XXXX XXXX XXXX XXXX and they transferred me to the XXXX XXXX people. I was disconnected! 
I called right back and followed the lengthy process again and was being transferred but was told nobody answered that number so someone from that dept would email in an hour or so. 
I constantly kept vigil. After two hours, I called again and texted customer service. I was again transferred to a number and was told again they would text me.Hung up and redialed to no avail, nobody was picking up. 
After another 2 hours, I texted and called again. No answer to either. Twice now. 
As far as I'm concerned XXXX has stolen {$50.00} from me and could care less about their customers. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

See attached. I am writing to dispute certain inconsistencies and potential Metro 2 violations regarding an account listed on my credit report. 

After recently submitting my 3rd dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. Your company is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.
Consumer complaint received 2023-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

Hi, my name is XXXX and I had a Tuition Answer loan with Navient. I filed bankruptcy in 2016, but continued to make payments after. Citing the recent court injunction- Homaidan et al., v. Navient Solutions LLC et al., case number 1:17-ap-01085 - Navient has been ordered to halt collection on this loan ( they have since transferred the loan to my co-signer ). Your website states that Navient has been ordered to return payments made after a bankruptcy case. Navient has refused to do so. I have called customer service to no avail.
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NM)

Re : Ally Auto Account Number ending in XXXX CFPB Number : XXXX See attachment with text message from XXXX, ensuring that contract will be updated. 

XXXX, Executive Customer Relations at Ally Bank is reporting that XXXX has reached out to me and that they have not heard back, I have text messages as proof that XXXX was sending me a new contract via overnight XXXX which they never did because the " manager is on vacation. '' It is factually incorrect that XXXX has not heard from me. Please resolve issue I have reached out to Ally today XX/XX/2023. I am writing to dispute the fact that Ally Financial is reporting my business vehicle loan to my personal credit. I was informed by the dealer that this was a commercial loan and that it would not be reflected on my personal credit. This deceitful act is in clear violation of credit reporting laws. This is in clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights to fair and accurate credit reporting. The FCRA prohibits creditors from reporting information to credit reporting agencies that is not accurate, timely, or complete. The FCRA also prohibits creditors from reporting information to credit reporting agencies that is not authorized by the consumer. In this case, Ally Financial is reporting information to a credit reporting agency that is not accurate, timely, or complete. Ally Financial is reporting a business loan to a personal credit report, even though the consumer was informed by the dealer that this was a commercial loan and that it would not be reflected on their personal credit. This is a clear violation of the FCRA.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have requested valiadation of debt from XXXX on the two accounts that shows on my credit report on XX/XX/23. I have not been supplied validation of debt and the accounts are still reflected on my consumer report
Consumer complaint received 2023-06-12
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. (NJ)

I, XXXX XXXX, verifying that I, XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.
Consumer complaint received 2023-06-12
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)

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 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 2023-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

In accordance with the Fair Credit Reporting Act, creditors XXXX XXXX XXXX, XXXX, XXXX, Capital One and XXXX Bank have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of XXXX XXXX XXXX, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, NY. On XX/XX/XXXX, I submitted the Exempt Funds forms to the two banks in question ( XXXX XXXX  and JPMorgan Chase ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the XXXX XXXX checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. 
As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the Plaintiff 's attorney. The Plaintiff 's attorney XXXX XXXX XXXX, XXXX XXXX XXXX ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.
Consumer complaint received 2023-06-12
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. (AL)

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.

The letters are stated with items and issues.

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 XXXX 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 2023-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Flandreau Santee Sioux Tribe (CO)

Received a voicemail with a case number and a callback number. Immediately after receiving this voicemail they called my sister trying to track me down. They were looking for me under my former married name which was legally changed back to my maiden name in XXXX as part of my divorce. I was told I was speaking to XXXX XXXX with XXXX XXXX XXXX XXXX. I was told I was going to be sued by VIP Loan Shop for breach of contract and malicious intent to evade payment. I was told they sent me a letter via standard mail XXXX days ago informing me of my debt. I never took out a payday loan. They claim the loan was taken in my name under my social security number and date of birth in 2010. I asked why this was just now being brought to my attention XXXX  years later. When I informed her I must be a victim of identity theft she kept repeating that I was ethically responsible for the debt, and because they hadn't received a response to their later they proceeded with a process server to issue me a summons to court. I asked her how I was supposed to respond to something I never received she told me she was a neutral party and could only tell me my case was going to civil court. They claim the loan in XXXX was for {$990.00} but due to interest I know owed {$1700.00}. She also told me my account showed in good standing in 2010, but just recently went delinquent. There were too many inconsistencies and refusal to provide information. Upon researching it, the initial phone call came from Rent To Own Hm XXXX. This phone number appears to belong to a bakery in XXXX, XXXX. The numer I was give to call back was XXXX. The person answering refused to give me a business name. None of what I'm be accused of happened as I regularly check my credit report and no payday loans exist. I advised XXXX that I was filing a police report for identity theft and would hire a lawyer if necessary. She then told me " hiring a lawyer will be really expensive and you'll also have to pay court costs unless you resolve the debt. '' I told her no thanks, I would proceed with the police report and lawyer.
Consumer complaint received 2023-06-12
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. (IA)

I went the XXXX in XXXXXXXX XXXX  for a medical emergency back in XXXX  As a service connected XXXX veteran I am allowed to go to a community XXXX when no XXXX XXXXXXXX is available. On top of being treated like XXXX by the physicians on duty, after my visit I was billed for it. I notified the XXXX and was told the bill would be taken care of. XXXX Physcians billing department called me and I explained to them I was a service connected XXXX vet and the XXXX would pay my bill which to my knowledge they did. Under U.S. Code 38 sub section 1728 I'm not responsible for the bill. Now XXXX years later I check my credit report and it's listed under collections on Experian by XXXX XXXX however it's not listed on XXXX. It is showing an amount on Experian of {$1300.00} so they need to remove this because it's not legit.
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I wanted to update you on my ongoing situation with a credit agency. Despite my numerous attempts to rectify the errors by certified US postal mail, I have only received a generic stall letter. The credibility of my correspondence has been questioned and the agency has indicated that further verification is required when I clearly provide three forms of identification. My unfortunate discovery is that this agency may be resorting to unlawful tactics to delay the resolution of my debt claim. I understand that the debt collection industry is notorious for using predatory tactics to exert pressure on people to pay debts that they are not obligated to pay, and I believe that this is what is happening to me as well. 

Despite my attempts to communicate with the data furnisher, they have failed to provide any substantial evidence to support their claim. This led me to request that the credit reporting agency launch an investigation into the matter to ascertain the validity of the debt being reported. 

It is my belief that the agency is employing stall tactics to avoid investigating my dispute. The two generic email I received outlined frivolous reasons why my investigation would not be looked into.
Consumer complaint received 2023-09-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't want to see this anymore in my report.
Consumer complaint received 2023-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX  my car with all personal belongings including credit card, debit card, and phone were stolen. Charges were racked up. I made a dispute that was later denied after supplying FTC id theft reports and police reports concerning the matter. The company refuses to honor my fraud claim, and have not gave me a detailed explanation in how they verified the information
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-22
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

In XX/XX/XXXX, I cut a check in the amount of {$26000.00} to clear my outstanding balance with citicards. My intent was to make a lump sum payment in full to avoid more charges and fees. Concurrently, I called customer service about {$310.00} for additional interest charges. I explained that both XXXX XXXX and XXXX  XXXX XXXX did not add over-charges so consumers had a choice to pay up, if they so desired. If the majority credit card industry allowed their users to pay off their current bills, Citibank should do the same thing. Unfortunately, the argument went to deaf ears. 

I also reminded them that I had been a royal customer with good standing since XXXX. They refuse my plea so I just walked away from using their charge card with a bitter taste in my mouth since. 

Last month they had their debt collection partner threatened me with legal action with a court order. Reluctantly and under duress, I cut a check for {$310.00} in full payment but they refuse to go away.
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

There were several charges made and supposedly delivered to my address prior to me moving and my tenants were in the home. Movers had various access to information also. This was conveyed to them. 

I explained this amongst other charges and they still are awaiting and told me two billing cycles and now it's longer. 

I would like this complete and to not affect my credit. Every time I call, I get a different answer as to this matter. 

I'm told that it is appealed, yet they are still reviewing it. 

Thanks, XXXX