davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

The general service and security reps have created big problems for me, without explanation. They are demanding a XXXX form from the IRS, and say they will not allow me to review or manage my account until they receive it. 

I have been locked out of my account and I have no way to see my transactions or even make a payment. Prior to this lock-out, I made {$17000.00} payment transfer from my XXXX XXXX XXXX account this past week. Barclay even called XXXX XXXX with me on the line to verify the account belongs to me and it was confirmed by XXXX XXXX. This week I have a $ XXXX credit from a return that is posted on the account, and the bank is not allowing me access to it. Their security department says it will be at least 30 days before they will consider giving me access to my funds. 

Management has called me today and stated they wish to have the hold removed because they verified my identity and that my use of the card is not fraud, but security is unavailable to them. They state they have no direct access to the security department and have to wait on hold to fix the issue. 
I have been a loyal customer for many years with this company, have excellent credit history and a high credit score. I am paying on time, and have had not a single delinquency on this account or any other credit card. 

I need immediate access to my account management and funds.
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The purpose of this communication is to assert my rights and request immediate action to rectify this situation. I recently discovered the existence of an account that has my personal information and financial details. After conducting a thorough investigation, I can confirm that I did not authorize or open this account. This fraudulent activity has greatly affected my financial standing and poses a significant threat to my personal security. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX -PLEASE DELETE!!! 
XXXX XXXXLEASE DELETE!!! 
I must stress the urgency of this matter and the need for an aggressive response to address this issue promptly. The fraudulent account in question is causing severe damage to my credit report and has the potential to harm my financial future if left unattended.
Consumer complaint received 2023-07-12
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

I have made several attempts to get my account on a positive balance, however, the bank has a practice where the delayed the posting of my funds which is Hundreds of dollars on fees. Just today I requested the bank to opt me out of any draft fees, however this was requested months ago. Im you said and XXXX options through my employer which is XXXX, XXXX XXXX with the funds are immediately available, however the bank is taking 2 to 3 days to actually post the funds
Consumer complaint received 2023-07-12
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. (CA)

Despite the multiple previous written requests, the unverified these items listed below still 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 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

My student loans are serviced by Mohela. Mohela has admitted to experiencing an administrative error with processing a COVID forbearance refund payment request I made in XX/XX/XXXX for {$24000.00} and informed me recently on XX/XX/XXXX that they would not be issuing me this refund despite them having previously informed me on multiple occasions by Mohela staff that I would receive this as it would be a lot of work on their end to correct their administrative error. I had {$100000.00} in student loans in XX/XX/XXXX and I made a COVID forbearance payment in XXXX of {$24000.00}. On XX/XX/XXXX I requested a refund of this payment which was legally allowed and Mohela stated that they would be requesting this amount to be issued to me via paper check by the US Treasury Department. After this request, Mohela 's records indicated that my loan amount went up from {$100000.00} to {$130000.00} ( the amount of my refund request ) which Mohela stated was their standard practice prior to issuing a refund payment. Under Mohela 's guidance and instruction ( which I have a screenshot of chat messages ) I made a request to consolidate my student loans on XX/XX/XXXX, and then I was later awarded public service loan forgiveness for {$130000.00} ( the amount of my original loan amount plus the amount of my refund request ) in XX/XX/XXXX. I have had multiple encounters with Mohela, with many different supervisors, resolution office, accounting department, and all of them have indicated that they are processing my request but I still have not received a refund payment as requested, and then my recent contact a supervisor indicated that they would not be issuing me a refund. Not only did they not refund the payment which I was legally allowed to request and receive back, but they wrongfully submitted my PSLF and received money for the wrong amount as they included the refund request amount in my original loan amount, thusly overcharging PSLF by {$24000.00}. Please see attached supporting documentation for detailed notes of my contact with Mohela, including a screenshot of the chat summary I had with one of their representatives who confirmed I would be receiving this refund and instructed me to consolidate my loans and then apply for PSLF.
Consumer complaint received 2023-03-10
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. (VA)

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 XXXXXXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : 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 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 2023-04-07
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. (CO)

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 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  Account name : XXXX XXXX XXXX  # XXXX, Account name : 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 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 2023-07-19
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. (FL)

I am contacting you to request the prompt removal and deletion of the accounts and information mentioned below from my consumer report. It is essential that these accounts and information not be reported, as their presence violates both the FDCPA and FCRA regulations. I kindly urge you to take immediate action in deleting and removing these accounts and information from my consumer report to ensure compliance with the applicable laws. Your urgent attention to this matter is greatly appreciated.
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: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX. and number XXXX Account name : XXXX XXXX and number XXXX XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I was a victim of FRAUD on my Wells Fargo credit card. Someone got a hold of my card and used it without my permission on XXXX. I reported the fraud to the police and contact Wells Fargo right away to report the fraud as well. Wells Fargo temporary credited me back for the fraud purchases then reversed the credit saying to me by letter the charges are from a company I do business with. Its XXXX of course I have done business in the past on that same account but this was not me and it was fraud. I did everything I should even filing a police report but Wells Fargo is not helping me. Under the law I thought I was protected from fraud charges but Wells Fargo does not seem to care for their customers.
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

When checking my credit score in early XX/XX/XXXX I became aware that since XX/XX/XXXX a {$160.00} debt in my name had been in collection by IC System, on behalf of XXXX XXXX. I had not received any written notification of this debt collection at my current address, where I have lived for 3.5 years. 

I disputed the collection on my credit report, since it seemed to be a mistake. But when XXXX refused to dismiss the collection from my credit score, I contacted IC System today ( XXXX XXXX, XXXX ). IC System confirmed that this amount in collection is a small outstanding cable bill from my previous residence, where I have not lived since XX/XX/XXXX. Obviously I would have paid this amount if it was fairly owed and I was made aware of it. My mail was forwarded for 12 months after my move, and this is the first I have heard of a debt from XXXX XXXX. Unfortunately the damage to my credit will cost me much more than the disputed amount. 

Despite my current address being publicly available, XXXX XXXX and IC System made no attempt to contact me about the collection at my current address. Thus, for four months, I was completely unaware of the collection attempt and the negative affect it has had on my credit score. 

Surely, a debt collection agency should be required to contact individuals at their current address when it has been publicly available for many years. It should not be the responsibility of the consumer to do their work for them, and accept demerits to their credit scores in the process. 

Thank you for your help investigating this issue.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

{$65.00} DEBT WITH TRANS WORLD SYSTEM/XXXX BY CHECKING ACCOUNT - XXXX XXXX XXXX 
PAID IN FULL XX/XX/11 .. CALLED TWICE .. TRANS WORLD SYSTEMS REFUSES TO PROVIDE ME WITH A RECEIPT AND KEEPS TELLING ME I NEED TO WAIT I NEED TO WAIT, BUT THEIR SYSTEMS TELL ME THAT IVE ALREADY PAID IN FULL.
Consumer complaint received 2020-06-28
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. (CO)

I would like to know why is equifax sending my credit information to previous addresses I received a notification through the us postal services showing the same mail I got at my current address the same day? Please see attached. Procedures like this is what exposes people information to the wrong people. My creditors had already updated my new address and I called you to update it. Why send my information to other addresses? This leads me to believe that even the addresses that keeps popping up on my credit file is going to other addresses and I was told I had a mixed file or something and often when I call they have to keep updating my name. Last year had to update my birthday. How does that come off my file? know nothing about are u sending my info to them too? Once again Im gon na fax you my personal identification, Social Security card, and current utility bill etc. Im very upset about this. This totally unacceptable! Your helping the identity thiefs by doing this practice! On XX/XX/2020 At approximately XXXX XXXX XXXX XXXX  I called experian and spoke to a XXXX in the fraud disputes department in regards to the blocking of those frauds accounts and she said she could only dispute it. So I asked to speak to supervisor which his name was XXXX and explained everything and told him I received a response back from my complaint about the accounts supposed to be blocked from the FTC report and he said basically that he knew nothing about it and was some what rude.i called transunion and same thing the super visor there told me he can not block without permission. I feel its best in situations like this is to just get an attorney and sue. Who has the time to just go back and forth like this. My heart goes out to all the victims as myself who have to go through all this and I see why Equifax had a data breach! With what I see how your handling my information theres gon na be another XXXX real soon!
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (OH)

XXXX XXXX  a third party transferring service does not allow me to link my account from PNC to cash app. It shows a screen that says my account has prevents me from being able to link accounts and I could file a complaint with you cfpb
Consumer complaint received 2023-07-25
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: JPMORGAN CHASE & CO. (NY)

JPMCB CARD SERVICES is showing as a charge off on my credit report of {$3100.00}. I was contacted once and advised the company that I never opened this account. It was possibly my ex-husbands account ( we had separate accounts many years ) or my daughter, who is deceased ( possibly opened without my knowledge? ) .Or a complete stranger. I asked the representative at the time to send me proof of my charges and signatures. I never received to and was advised that after I filled out a form for fraud it would be removed. I am in a Idre financial situation at XXXX on a limited income and am suffering from XXXX XXXX. I tried to refinance a loan and to my surprise this JPMCB appeared as a charge off. It has caused me any option to refinance due to this error that I assumed was fixed many years back. I have no knowledge who paid this account, I never provided financial information to JPCMCB.
Consumer complaint received 2023-07-04
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is Govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have right to privacy and I did not give Equifax written permission to furnish these accounts -XXXX XXXXXXXX XXXX XXXX Account NumerXXXX XXXX XXXX XXXX- Account XXXX XXXXXXXX XXXX XXXX XXXX Account Number-XXXX
Consumer complaint received 2022-10-28
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 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 2023-09-25
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank closed my revolving account that had XXXX balance, no negative marks or past due history without notification. When contacted was told they closed it due to negative account history with other Synchrony accounts, and a negative mortgage mark on my credit history. Upon additional review.. I have two other accounts with this same credit company with no negative history with are and have been current for a long time. My mortgage was disputed due to fell behind while was in the process of selling. The house has since sold and balance is XXXX. I feel things are not being reported correctly which has impacted my ability to obtain credit at the time I needed to use it.