davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-23
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: EQUIFAX, INC. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (CA)

I would like to report a fraud against Xoom Corporation. Recently I've made a transaction from Xoom to  transfer funds from my XXXX XXXX  account to XXXX XXXX  account but the funds were never deposited in my XXXX XXXX  account. I've sent Xoom multiple email communication and made phone calls but no one is responsible enough to look into this. Also, I've shared my both bank statements ( the sending and the receiving bank ) to verify that the funds were never deposited. I'm going through a lot of mental stress because of all this. Please help me out here. 

Transaction Initiated from US : XX/XX/2020 Transaction # : XXXX Transaction Amount : XXXX USD I'm attaching the bank statements for the reference. Please let me know if any further details are needed from my end. 

Thank You!!
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

XX/XX/2023, I attempted to make 2 purchases at a vending machine at a hotel. One for {$3.00}, and the other {$2.00}. I machine did not distribute the items I selected and was still charged. There was no phone number or any information on the machine to contact the merchant, I even inquired about that at the front desk of the hotel, and they had no contact information for me. I reported this to Square Checking, and they refuse to refund my money becasue I have no receipt or other information.
Consumer complaint received 2024-08-16
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. (NJ)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2020-03-19
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. (WI)

On XX/XX/XXXX I started receiving notifications from my credit monitoring services that the below collection account was added to all 3 of my credit reports : XXXX XXXX, XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} COLLECTION ACCOUNT I NEVER HEARD OF THESE PEOPLE AND ABSOLUTELY DON'T UNDERSTAND HOW THE CREDIT BUREAUS ARE ALLOWED TO ALLOW PEOPLE TO REPORT UNTRUTHFUL, INACCURATE LIES CALLED INFORMATION ON MY CREDIT REPORTS. I
Consumer complaint received 2019-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

I opened a chase account on XX/XX/19 for my student aid refund to be deposited into the account. 

On XX/XX/19 my federal student aid refund of {$6200.00} was electronically deposited to my new chase account directly by my school who issued my student aid. 

Within a day or so my funds and entire account had been placed on a security freeze.do to suspicious activity. I had spent less than {$100.00}. 

Chase said I must go in to a branch and provide ID to verify my account. 

I planned on verifying myself as soon as my XXXX XXXX got better. I was and still am extremely sick. 

Within 2 days my account was closed and chase says theyve suspended my funds and arent required to return them. 

These are federal benefits that are supposed to be protected from such seizures by banks and other creditors. 

Now aside from filing this complaint I dont know what else to do besides seek legal representation and action against Chase for return of my financial aid. 

I am stunned and disappointed this is how they handle their accounts and customers.
Consumer complaint received 2019-11-23
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. (AR)

Hello, The following account was never late. Please update or remove from my account. Thank you. 
XXXX Account # XXXX The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Ref # XXXX
Consumer complaint received 2019-11-23
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. (AR)

The following account is not mine. Please update or remove from my account. Thank you. 
Bankruptcy : XXXX XXXX Reference Number XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have identified discrepancies in my credit report across XXXX, XXXX, and TransUnion, as detailed in the attached documents. 

Discrepancies Found : Payment History : Inconsistencies in reported on-time payments and late payment records across the three major credit bureaus, which misrepresent my payment behavior.

Account Status : Variations in how the account status is represented, which impacts my creditworthiness.

Relevant Legal References : Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to reinvestigate disputed information and correct or remove inaccuracies within 30 days.

Section 623 ( 15 U.S.C. 1681s-2 ) requires information providers to maintain the accuracy of reported data and promptly correct any identified inaccuracies.

Requested Resolution : Conduct a thorough investigation of the disputed account.

Correct or remove the inaccurate information from my credit report.

Provide me with an updated credit report reflecting the corrections made.

Enclosed are copies of my credit reports from XXXX, XXXX, and TransUnion that highlight the discrepancies, along with any supporting documentation relevant to this account. 

Thank you for your prompt attention to this matter. Please inform me in writing of your findings and any actions taken.
Consumer complaint received 2023-03-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Block, Inc. (CA)

I have. Not received service from one company and I like my refund and I requested cancelation with the company and contacted cash app filled a.dispute since the merchant wont respond to me and the second transaction is item that was meant to be shipped I never received and I canceled with merchant but somehow was retrieved by someone and it wasnt me I was checking the tracking number and showed was delivered but I. Ever got the package and been trying to get my money back and cash app refused both of my dispute with no explanation and any evidence of the denial
Consumer complaint received 2023-03-12
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: LEXISNEXIS (FL)

On XX/XX/2023 I Submitted a complaint to you all regarding Lexis Nexis reporting my XXXXr XXXX bankruptcy on my credit report and illegally sharing/selling this information to third party credit reporting agencies ( XXXX, XXXX, XXXX ). Lexis Nexis followed up by sending me a response stating that they needed to verify my identity please see exhibit. I called in and spoke with 2 separate representatives on XX/XX/2023 and verified my information. The representative stated that the chapter XXXX bankruptcy information was not removed and Lexis Nexis did not complete the demands stated. They actually did nothing. I am at Witts end with Lexis Nexis. Lexis Nexis has committed identity theft by furnishing and housing damaging personal and private information in their systems without my consent and selling this information to third parties without my permission and knowledge. Lexis Nexis, or any other credit reporting agency, has NO lawful authority nor are they operating under ANY LAW that allows them to collect and share damaging information about me, a living and breathing soul. This is identity theft. This is defamation of character and I am not taking this lightly. This is the second time Ive had to file a complaint about these companies and I will not sit back and allow this to continue. The bankruptcy court clerk of Florida stated that they do NOT report this information to any credit reporting agencies, they only report this information to XXXX. XXXX  WEBSITE STATES THAT THEY DO NOT GIVE, SELL, OR TRANSFER INFORMATION TO THIRD PARTIES. XXXX, XXXX, and XXXX all obtained this information illegally from Lexis Nexis under FALSE pretenses and furnished this information on my credit reports. All of these agencies have no lawful authority to report any of my personal information without my consent or permission! This is IDENTITY THEFT. You do not have permission to make decisions for me or freely damage my character!!
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (PA)

In XX/XX/2018, a debt collector - Absolute Resolutions Investments LLC- initiated a civil suit to collect an alleged balance owed to a credit card company -XXXX XXXX XXXX XXXX XXXX . Neither debt collector nor credit card company provide me with notice of the debt prior to filling the suit. Neither provided me notice of the right to dispute the debt. I have since requested validation and verification of the debt and now await a response.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Subject : Complaint Regarding American Express Rewards Points and False Advertising On XX/XX/XXXX, I reviewed my American Express rewards points balance and noticed I had approximately XXXX points. I decided to redeem my points for a {$500.00} XXXX gift card, which required around XXXX points. After selecting the gift card and proceeding through the necessary steps, the American Express website failed, displaying an error message and kicking me out. I tried again later, but the website then indicated that I did not have enough points to make the purchase, despite my balance still showing XXXX points. This suggested a technical error had occurred, and my points were essentially blocked. 

After a third attempt later in the day with the same outcome, I contacted American Express customer service through their chat. The agent, who was courteous, confirmed my identity and understood my issue. He attempted to purchase the gift card on my behalf, with my authorization, but informed me that they could only provide a mailed physical card, not the advertised digital version. As I am traveling, a physical card is not a viable option for me. 

This situation resulted in a waste of over an hour of my time due to the inability to access a product as advertised. American Express falsely advertises the availability of digital gift cards, which they could not deliver. I am requesting compensation for the time spent and the inconvenience caused by this false advertising and the subsequent errors in the rewards redemption process. 

Thank you for addressing this issue.
Consumer complaint received 2020-03-19
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. (CA)

In 2017, I began a 3 year lease and set up an automatic payment with XXXX XXXX with my checking account. For the 3 year period, I made payments as planned. The last few payments I made were not accepted by XXXX XXXX. They claimed that a tax change to the lease changed the payment amount so they could not accept payment. When they began calling from unknown numbers, I was traveling and did not pay attention to this until a few weeks later. 
XXXX XXXX refused to accept payment and reported to the credit bureaus that I was missing payments. This should not affect my credit score and I asked XXXX XXXX to rectify the error. Even though the remaining lease amount was paid in full before the end of the lease, they refuse to even make an attempt to change my record. 
I've disputed the issue with the credit bureaus and most I've heard back is that XXXX XXXX told them that the erroneously reported late payments are correct. 
I never missed the lease payments and was making them on time. XXXX XXXX is at fault ( if anybody ) for refusing to accept my payment, but they took it a step further by putting a negative mark on my credit report. I should not have bad credit for missing phone calls. 
Attached is a statement from the beginning of the lease showing an auto payment deduction from my checking account.
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (GA)

In XXXX, I applied for an credit card with Wells Fargo Bank. The account was to be used for a balance transfer. The amount of the transfer I requested was XXXX. I was given a credit limit of XXXX dollars. I requested that this transaction go to XXXX XXXX XXXX. I provided Wells Fargo with my Card number. After waiting approximately three weeks I noticed that the new Wells Fargo account showed the XXXX dollars on my statement, but I did not see any credit for that amount on the XXXX XXXX account. I spoke with Wells Fargo customer service and found that they had transferred the money to the wrong account. It seems that there was an error in the last digit of the account number. XXXX  XXXX stated that the number they used was non existent. Wells Fargo does not want to take responsibility for this error even though they were the ones who did the transfer. I have been trying to get this resolved since XXXX to no avail. I am currently paying both financial institutions. I want Wells Fargo to credit my account. This is putting me in a real bind. I am a senior with very limited income. I am hoping you can help me with this issue as I am getting nowhere and I have been making double payments. I hope I explained this in a way that you can understand if not please call me. XXXX XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2023-03-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (LA)

In accordance with the fair credit Reporting act Mariner Financial, has violated my rights, 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : It also States A consumer Reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat payments on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-11-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Us bank who is holding my heloc loan for my personal residence mortgage offered me a refinance of heloc so I took offer and accepted. The auto payment that was on file after refinance stopped they said they mailed me bill but I never received the mail. Then I was late when I called them by 1 day to pay the monthly bill but they reported to the credit bureau already. I blame the Mail not getting to my home.
Consumer complaint received 2019-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My complaint is about my mortgage company, Pennymac Loan Services, not processing my payments. On XXXX XXXX XXXX, we called in a payment as usual to the automated symstem for our XXXX due date. 
At some point after XX/XX/XXXX we realized that the money had not been taken out of our account so we called Pennymac and they said that they had a note in the computer that it was it was called in on the XXXX but it hadn't gotten to the right department yet because they were backed up with their processing. We had approximately 3-4 more conversations before XX/XX/XXXX with Pennymac trying to follow up and they assured us that we would not be charged a late fee. However, on XX/XX/XXXX, we received our XXXX statement which reflected that we still owed for XXXX in addition to XXXX. We then called and spoke with a XXXX on XXXX. At that point XXXX rescheduled our XXXX payment for XX/XX/XXXX which we were later informed that it should not have been done that way as it made it look like a late payment. On XX/XX/XXXX we called back and spoke to XXXX who I think was the one who told us that the delay in processing was due to California fires which was also affecting many other customers but they were working on getting it straightened out. On XXXX we called our XXXX payment in to the automated system and it said payment was received. 
On XX/XX/XXXX we called back again and spoke to XXXX since the money for XXXX and XXXX had still not been taken out of the account. XXXX said that they had a new system and were behind on thousands of peoples accounts, not just ours, and to give them 4-6 days to get it straightened out. We called back on the XXXX and spoke to XXXX and she said that they were still working it. We were worried about our credit being adversely affected and potential foreclosure proceedings being started since the statements still showed us being delinquent and Pennymac gave us no documentation that the delay was due to their systematic issues. Finally, we called back on XX/XX/XXXX to see if they would give us documentation to assuage our concerns. They said they could not generate anything like that so we let them know that we would be filing a complaint since we were aware of people having foreclosure started on them unjustly when they were verbally assured that their account was in good standing even though the statements reflected otherwise.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 2019-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (FL)

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.