davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TN)

I am filing this complaint regarding Jefferson Capital Systems, account number XXXX. They are inaccurately reporting information on my credit report, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ) by failing to ensure the accuracy of the information. Despite my dispute, Jefferson Capital Systems continues to report incorrect information without conducting a reasonable investigation, as required by law. 

Additionally, Jefferson Capital Systems has violated the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) by using misleading practices in their collection efforts. They have also failed to provide adequate verification of the debt as required under 15 U.S. Code 1692g ( b ). 

I am requesting the immediate deletion of this account from my credit report.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : 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 Equifax XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (OH)

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX Account Type : Charge Off ( closed account ) Amount due : {$550.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NC)

on XX/XX/2023, consumer of XXXX XXXX  XXXX XXXX credit card, issued and administered by Elan Financial Services attempted to log into account to pay off the balance. User was unable to do so due to 'technical difficulties '. System put a security block on the account without provocation or notification preventing user from logging in to view transactions, balance, or pay account off. XXXX failed attempts to contact 'customer server ' resulted in no service to make a payment due to a fallacious statement made by agent stating the block was placed AFTER i made the calls. This would be impossible, as I was calling due to the block having been placed and unable to access the account. There have been no issues with logging into view and pay balances in the past. This is a retaliation against another Elan financial services card ( Fidelity ) where several statements against Elan have been made regarding their lack of protection against fraud and their failure to follow up on said allegations with all 3 consumer credit bureaus. Solution : remove block from user 's account to allow user to pay balance in full. At this time, I have no ability to access my account, putting it in jeopardy of being late. This is a purposeful attack by Elan and needs to be halted, immediately.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (PA)

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the XXXX XXXX XXXX XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Consumer complaint received 2023-06-01
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. (OH)

I had done an investigation on my credit report which caused me XXXX  XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX Account Type : Charge off ( closed account ) Amount due : {$500.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Consumer complaint received 2023-06-01
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. (OH)

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXXXXXX XXXX Account Type : CHARGE OFF ( Closed account ) Amount due : {$1200.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I was alerted by chase bank by text of a fraudulent transaction. I called them immediately told them it was not me. They requested I send a letter and file a police report. I did both. I have XXXX {$100.00} transactions and a {$400.00} transaction fraudulently unauthorized taken from my account. I am requesting that it be returned under the electronic funds transfer act
Consumer complaint received 2023-06-01
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. (OH)

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXXXXXX XXXX Account Type : CHARGE OFF ( Closed account ) Amount due : {$1200.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (FL)

I originally signed up with a company called XXXX where I financed some dental retainers. I went on an installment program over 18-24 months or so. The debt was then sold to West Lake Portfolio Management. The payments of {$99.00} a month have always been on auto-pay and when the debt was sold I was assured the auto pay would remain intact and I did not have to do anything. 

Last month they called and said I had a past due balance of {$99.00}. I told them its on auto pay and should have just charged me automatically. They said since its the final payment they could not autopay it. I told them to just charge the account theyve been charging and to please stop calling me during work hours. Then today I check my credit report and they marked me as over 30 days past due on the {$99.00}, negatively impacting my credit score
Consumer complaint received 2023-06-01
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. (OH)

I had done an investigation on my credit report which caused me XXXX XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX XXXX ( c/o : XXXX XXXX XXXX, N/A ) Account Type : COLLECTIONS Amount due : {$610.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (GA)

Dear American Express, I recently applied for a credit card ( Ref : XXXX ) with your company and was surprised to receive a request for tax documentation. Upon further investigation, I discovered that not all applicants are being asked for this information. I believe this practice to be in violation of federal laws, and I would like to bring this matter to your attention. 

Under the Equal Credit Opportunity Act ( ECOA ), it is illegal for lenders to discriminate against applicants based on certain protected characteristics, such as race, gender, national origin, or religion. If American Express is requesting tax documentation from some applicants and not others, it raises concerns about potential discrimination. 

Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that credit card companies use information that is relevant and necessary to evaluate an applicant 's creditworthiness. If tax documentation is not required to assess creditworthiness, then requesting it could be seen as an unnecessary intrusion into an applicant 's personal life. 

I urge American Express to review its policies and ensure that they are in compliance with all applicable federal laws. I would appreciate a response from your company on this matter and any steps that you plan to take to address any potential violations. 

The letter states We need to confirm your total annual income but it in regards to the Request for Tax Transcripts it states if you do not wish to reveal this information, please do not use this option. 

Since the letter states Tax Transcripts are optional, I am sending American Express my most recent paystubs as proof of income. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

XX/XX/XXXX XXXX XXXX dollar refund never received account been hack since XXXX 2022 and my income tax check filled with cash app never received it I need all money asap and my card is lock everytime I ask why they say it's being escalated to a higher team it's been almost 3months and my money from XXXX bank Amount of XXXX dollars back in XX/XX/XXXX is missing I put all type of paper work steal nothing
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (TN)

I contacted my company way2go issued by the state of Tennessee for my child support payments only even after we have my direct deposit information listed in the divorce papers my state does child support with this company., that supplies my child support card and told them my card was destroyed by my XXXX XXXX XXXX and I needed a replacement and after me explaining what happened that my XXXX XXXX XXXX son got a hold of my card and put it thru our at home shredder I was told there would be a XXXX fee and I told the rep I didn't have that money until my payment was applied for child support and I asked if it could be waived and he placed me on hold and he came back and said no so I told him if I didn't have fraudulent activity happen on my card I would have the XXXX and he asked about the whole situation and finally determined that it was fraud and needed to suspend my account I said that's all fine and good but how do I fet a replacement card he said he would send me out a replacement when the funds was available on my account to pay the fee. Ok so now I don't have my child support card to get my non food items and pay my bills and now my bills will be late and I have to wait on diapers and laundry stuff and whatever else my household needs all because I have to wait until the fee is paid. I also can't work due to my health and can't get XXXX. So one little XXXX fee will cost me a lot more than they care about. They should take consideration on all this and waive this fee for a one time.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX  Account Number:XXXX has violated my rights. Or a 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 2024-09-20
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I initially opened my new credit card account on XX/XX/XXXX which was followed by correspondence via mail from BoA including all information about the newly opened account. I opened the account for the sole purpose of consolidating my debt by taking advantage of the no APR offer ( until XX/XX/XXXX ), and a balance transfer was requested during the application process. This balance transfer was never carried out by BoA. As I was awaiting the arrival of the card, I was shocked to receive a call from BoA fraud department on XX/XX/XXXX asking whether I had been using the newly opened credit card. I informed the agent that I had not received the credit card yet and was still expecting it based on the previous correspondence. The agent had then immediately closed the credit card and shipped another one to me via XXXX  ( which I received despite XXXX leaving the package on the stoop of my building with access for anyone to grab it ). Additionally, the agent had opened a fraud claim and credited the transactions to my account. I was then shocked to receive a letter couple of weeks later stating that BoA has done an investigation and confirmed that the transactions are legitimate. This claim process has now been repeated several with no resolution for the last two months. I have contacted several vendors from the transaction list on the statement to get any information they had on file for these transactions and found that the credit was indeed in someones possession and was used illegally along with a fake ID. Additionally, it is clear that signatures were not present on all transactions unlike what Bank of America had stated in the claim reports. Provided to Bank of America were several pieces of evidence inclduing police report, USPS inquiry for stolen mail, receipts form vendors who responded to my email correspondences and FTC fraud report.
Consumer complaint received 2023-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ZuntaFi Corp (ND)

Up until last year I was under the impression my student loans through Zuntafi were deferred due to XXXX. I later found out since it is a private loan that is not the case. I reached out to Zuntafi in XX/XX/2022. I was offered the reduced settlement offer of XXXX instead of the XXXX. Other offer I was offered was 3 payments of the past due amount of XXXX. If I accepted the 3 payments they would continue to report me as late until all 3 payments were made. I mentioned this was not fair when I was making an attempt to get this taken care of. I found a company that specializes in student loans called XXXX for people with tarnished credit. They offered to pay off my existing loan and I agreed. I was making regular payments to XXXX and was still being harassed by Zuntafi to make a payment. I found this quite odd. I received a rude phone call from XXXX XXXX stating they don't due settlements. I can either pay Zuntafi the reduced settlement of XXXX or they will offer the same settlement offer to XXXXI later found out XXXX is actually a debt settlement company that specializes in defaulted student loans. I contacted XXXX and am receiving no response from them after paying them for 3 months. I closed the checking account that I had my payments taken out of that was used to pay XXXX. I then wrote Zuntafi a letter asking to pay off 2 of the 4 loans ; ( one for XXXX and the other for XXXX ) for the full amount due if they agreed to remove all late payments or delete the account completely from my credit report. Zuntafi refused and that any payment would be applied to past due amount, late fees, collection charges would still incur and I would be reported late. I think my request is a fair request. Full payment for what is due. It is not fair to hold my personal credit for ransom when I'm working to get it fixed. You can only imagine damage 4 late payments per month for the last few years has done to my credit.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I sent a letter on XXXX XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the credit report and here I listed the tracking numbers of the letters I sent out to the credit bureaus # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. 
Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
- Authentic Persona information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Employer : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX