davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

I filed a dispute back on XX/XX/XXXX of this year with American Express for a vacation package that I purchased back on XX/XX/XXXX. The day of the vacation my flight was cancelled by the airline. Messing up the reservations. I tried to resolve the issue with the travel agency to get a full refund back since I already purchased insurance on the vacation package. The travel agency started to give me the run around. Leaving me no other choice but to dispute this matter my credit card company which is American Express. The rep that I spoke to via live chat ensure me not to worry that he was going to help resolve this issue. A dispute was initiated and American Express credit back the entire amount which consisted of the hotel fee and the airline fee combine into one. Now the hotel did refund me their portion but it was not the amount they agreed to via email. Now almost three weeks later I received a letter from American Express stating that they are going to reverse the credit siding with the merchant without. Without reaching out to me to request any documents to support my dispute. Like the rep stated in the live chat conversation. A copy of the live chat conversation with one of the American Express rep will be upload to support my claims. It will show were I offered to forward email conversation between the travel agency and I to show proof of them promising a refund of the hotel stay which was about {$750.00}. I also reached out to the airline which is XXXX and they stated that they cant issue me a refund twice. Because the ticket purchase was charged back. I believe every purchase made with American Express is insured but the fact that they decided to side with the merchant as opposed to the cardholder says a lot. There should be some type of investigation on how American Express handle and process their dispute. I copy of this complaint was also sent to my state attorney generals office for further investigation. I have uploaded support documents to support my dispute against American Express
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I deposited a check in my account on XX/XX/2022 in the amount off {$950.00} at a Wells ATM before the daily deposit cut-off time and the transaction posted on XX/XX/2022. Hence, I expected use of my money on XXXX, as a prior ATM deposit on XX/XX/2022 in the amount of {$1000.00} from the same maker was correctly credited the next business day without any hold. 

When I called the Wells toll free customer service number I was told that the funds were being held for review until XX/XX/2022 due to the banks difficulty in getting funds from the makers bank, so Wells Fargo is basically saying that the makers check did not clear, which I know not to be the case but will verify within the next few hours. Holding funds unnecessarily and following that up with direct false statements to your customers is no way to run a bank serving the XXXX public.
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2022-02-25
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

On XX/XX/2022 I have contacted XXXX, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ Navient and Navient that are being reported. Also there is a problem with the days being reported late.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (LA)

XXXX XXXX {$30.00} inaccurate and was suppose to be deleted since XXXX. 

NelNet Student Loans Invalid Dates need to be removed off report. 

XXXX XXXX XXXX been inaccurate for over XXXX years account closed already. Please delete. 

Update credit card balances Total Debt is wrong. Please verify and correct.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Equifax will not release my credit info to XXXX and XXXX XXXX. I pay a monthly fee to XXXX and Equifax is causing me an issue from being able to get all 3 scores. My Equifax credit score and report hasn't been updated since XX/XX/2021.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I received an alert from my credit file advising that my account was reported 90 days late. Per my credit history, the account was current prior to the 90 day late payments twice XX/XX/XXXX and XX/XX/XXXX ). The account has been reported incorrectly.
Consumer complaint received 2022-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (OH)

In XX/XX/XXXX, I noted charges in an updated credit report that I did not make or authorize. After contacting Affirm directly, I was notified that there were XXXX active loans in my name. On XX/XX/XXXX I opened a complaint notifying Affirm of the fraudulent activity. On XX/XX/XXXX, the account information was updated to my phone number and email to prevent further access and loans. The same day, Affirm sent loan verification documents that indicated XXXX prior loans that were either paid off or cancelled. Again, I have never authorized ANY loans through Affirm. On XX/XX/XXXX, I communicated with XXXX and XXXX XXXX, the XXXX companies that provided merchandise for these loans but was told that I could not get information on the items purchased as the accounts were not in my name ( through those companies ). On XX/XX/XXXX I filed an XXXX Complaint. On XX/XX/XXXX, I was notified that XXXX of the loans with XXXX was written off on the amount of {$3200.00}. During this time, I also disputed the charges with all of the credit agencies. On XX/XX/XXXX, Affirm requested additional information which was provided. This same information was requested again on XXXX and was provided the same day. On XXXX, Affirm validated the debt and I called them again to report this as fraud. I was asked again for additional information which was provided. On XXXX, I received communication that the case was being escalated. On XX/XX/XXXX I was asked to completed an affidavit, which I did. The same day, I received a response that I was still responsible for the loans I did not take or authorize. This is despite showing that the last loan was taken out for XXXX Guitars and the items were not even shipped to my address. On XX/XX/XXXX I received notice that the second loan in the amount of {$700.00} was charged off. In consultation with my XXXX XXXX, I subpoenaed the account history including signature page for any and all loans, date of Affirm account being opened, name ( XXXX ) on account, phone number/email/address/any other contact information on account, payment information and any other account details on account. On XX/XX/XXXX I received a message from Affirm indicating they would not release information to a third party ( would not comply with my subpoena for records ). My estranged husband opened these account without my knowledge or permission and I am trying to prove that in court. As a creditor claiming I owe a debt, they are legally required to provide me this documentation.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (CA)

1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights to privacy. 

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act XXXX  Account name, XXXX XXXXXXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX ( has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (PA)

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/ treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Elan Financial such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Elan financial and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Elan Financial XXXX, XX/XX/XXXX Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Consumer complaint received 2022-02-25
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. (GA)

I am submitting this complaint FULLY disappointed with Equifax. I have submitted now three complaints about the mishandling of an account that is on my credit report. As I previously stated Equifax did not follow the FCRA guidelines in the dispute process nor in the process for furnishers adding items to your credit report. I sent several letters to Equifax regarding account with XXXX XXXXj ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. I first let Equifax know that I never had an account with them. Equifax said that they verified the information. I sent another letter asking Equifax to re-investigate my claim. They sent me a letter stating that they reinvestigated and verified the information with XXXX XXXX. I then sent another letter to Equifax asking them to show me the process they used to verify this information and who at XXXX XXXX they spoke with to reach the conclusion that the information is verified, what documentation they received showing them that I was legally liable for this account, instead of showing me the information I requested Equifax sent me letters saying that the information was verified and other details to the account were UPDATED. It wasnt until I submitted a complaint in the CFPB complaining, Equifax was saying that the account was past due and placed for collection on the same date, that Equifax took the time to get information regarding accounts on my credit report. It was after 90 days that Equifax even acknowledged that there was a XXXX date of delinquency and that I was not nor ever made payments to XXXX even though my balance was changing since this account was added in XX/XX/2020. As a consumer I have the right to a credit report that is 100 % accurate. What is even more disappointing is that EVERY LETTER and EVERY RESPONSE that Equifax has given me regarding this account has all been UNTRUE AND INACCURATE. I called XXXX XXXX myself and asked them about this account they told me that they dont know whats going on with the account and that they have never seen anything like this and gave me a different number for a different company and when I called them, they also gave me a different number and a different company. I then, at the same time I asked Equifax to verify my account, sent a CERTIFIED LETTER with a return receipt to XXXX. According to the letter I received and will be attaching with this complaint from XXXX they also reached out to the supposed original creditor, XXXX XXXX, and : the creditor has NOT provided validation ... XXXX XXXX XXXX has submitted a record of deletion to the Bureau. This is evidence that Equifax has not verified the account with XXXX nor with the original creditor. Instead, they didnt do their job and continued to allow an inaccurate account on my report. I expect this account to be deleted IMMDEIATLEY!
Consumer complaint received 2022-02-26
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: Merchants Adjustment Service, Inc. (KY)

I recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference. 

As noted above, their claim is invalid based on what they provided to me. 

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 I wired transferred {$20000.00} to a Wells Fargo Account for XXXX XXXX with account # XXXX Direct deposit/Electronic payment # XXXX, this person XXXX XXXX was an associate of XXXX XXXX XXXX which I thought was helping me do my investments but it was all a scam. One thing is for sure this person XXXX XXXX in fact did receive the {$20000.00} I wired transferred from my bank XXXX XXXX XXXX  out of XXXX Texas with phone number XXXX XXXX XXXX. I tried contacting Wells Fargo to stop this transaction, I was on the phone for over 4 hours trying to speak to someone every time they answered they sent me to another person and so forth, they took over 2 weeks to respond to XXXX XXXX XXXX  over an email that they couldnt do anything about it because I was not on XXXX XXXX account.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (IN)

On XX/XX/2022 I paid Possible {$330.00} to clear up my past due account. Prior to this, they reported to all three credit bureaus the amount of {$250.00}. I received the standard your loan has been paid off email and offer to reapply. Now, on my XXXX report it states the status of paid. Closed. {$250.00} Charged off and then again stating the balance of {$430.00}. It shows incorrectly on XXXX and XXXX as well! After emailing to request the account officially be closed ( email is the only way to speak with these people ), I was first informed that it would be processed but then was told that Id have to wait XXXX months!
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (MO)

I received a settlement letter from Medicredit INC with an outstanding balance of {$1600.00}. I was told if I paid {$830.00} that this would settle and close out the account. I wrote a check for {$830.00} which cleared my bank on XX/XX/XXXX. I called them on XX/XX/XXXX and XX/XX/XXXX after getting messages that I still owed them money and talked to a young lady that told me the account had been sold to their secondary company on the XXXX of XXXX and I was now going to have to pay the secondary company. Medicredit INC says I still owe them the {$830.00} to get this off my credit but they already cashed my check, so I asked to speak to a supervisor and was told to leave a message that they never returned. Got a call on XX/XX/XXXX and talked to XXXX XXXX Who again told me that Medicredit INC had sent my account to their secondary company on the XXXX after they had already cashed my check on the XXXX of XXXX, demanding I still needed to pay the additional {$830.00}. I Told her that they needed to return the check they cashed because they took the funds without providing the agreed upon service. I would then send the money on to this secondary company that they sold it to. XXXX XXXX said they would not return the money and that I would have to pay their secondary company an additional {$830.00} before they would remove it from my credit. From my understanding after Medicredit INC cashed the check they should have closed my account. I am failing to see how it is legal for a company to take my money then renege on the contract and sell it off to a parent company.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

I regret having made a {$830.00} dollar order online thinking I would get quality customer service from your XXXX store. 

I made a online purchase on XX/XX/XXXX for an installation of an XXXX XXXX and was told by the installation department they would not be able to perform the install. I was instructed to cancel the order. I did so and only received a partial refund of {$670.00}. 

I called the XXXX store asking for help and spent XXXX hours being transferred, put on hold and eventually hung up on by the Digital department. I spoke with another department and a lady with a difficult to understand XXXX  accent was very rude and hung up the phone.