davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (GA)

On XX/XX/2018 my wife did let she do every month went to XXXX XXXX  to do a debit transaction with our XXXX XXXX debit card. She was transferring a total of {$1000.00} from the XXXX XXXX debit card to our XXXX XXXX  account but the transaction was decline because there was only {$1000.00} on the XXXX XXXX debit card and she thought it was {$1000.00} on the card. The transaction did not go through I was charge a {$1.00} for a decline fee. After this my wife decided to wait for the next day to redo the transaction because XXXX said they could only swipe the card once. My wife left the bank to go to the store and the card was decline because funds were not available. At that time i went on line to look at my account and saw where it had the {$100000.00} pending so I called the customer service number and they told me that my money would be available in 6 hours so I took their word for that. The next day I went on line to look at my account and my money was still pending. I called the XXXX  XXXX customer service agent again and this time they said that I would have to have XXXX XXXX send them a memo stated that they will not try to get the money back and then they could release the money in 6 hours. We went to XXXX XXXX  and the customer service agent said that once the transaction was decline they had no legal rights to the money so they were lost on why they had to send any kind of statement in reference to getting our money back. I called the customer service agent again and told her that we needed our money and she said she would see what she could do. I gave XXXX  2 days and I went to look on my account and still the money was still pending. My wife went to XXXX XXXX and called one of the supervisor at XXXX XXXX and she had one of the customer service agent with her and the custormer agent from XXXX was willing to tell the agent from XXXX  XXXX that there was no way that they were going to come back and take the money back that was decline but the XXXX XXXX supervisor would not talk to her on the phone and got very up set with us. Today is the XX/XX/2018 and our money is still pending on our account. I have not paid my mortgage and other bills because XXXX XXXX still have my money pending. My name is XXXX XXXX and I would like for you to help me resolve this problem so I can get my money to pay my bills.
Consumer complaint received 2018-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (OH)

on XX/XX/XXXX I used the XXXX app to pay a merchant of accounts for an online video game, I sent XXXX dollars. The merchant refused to send me the account that I paid for and started demanding more money. on XX/XX/XXXX I attempted to have a charge back done on my citibank card and was prompted to ask the company XXXX for a credit to my account. I received a reply from XXXX on the XXXX stating that there was absolutely nothing they could do and all transactions are permanent. My complaint is both with Citibank and XXXX. XXXX is allowing fraudulent users to break their own terms of service as I was told on the XXXX that XXXX does not support merchant services on their app. Citibank will not authorize a charge back of these payments as a result of XXXX unwillingness to comply.
Consumer complaint received 2024-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergys (FL)

This letter constitutes a formal complaint against Encore Receivable Management Inc. for intent to report inaccurate and incomplete information on my credit report on any bureau. While I do take under consideration that mistakes happen, inaccurate information could cost me higher interest rates as a result of their negligence. Encore does not have my permission to advertise against me on any credit bureau organization. 

Furthermore, I hereby deny consent for you ( Encore Receivable Management Inc. ) to contact me in any manner other than by certified letters to my address. Do not call, email, text message, visit my home or contact any of my friends, neighbors, co-workers or family members in an attempt to acquire any type of information on my person. I am also demanding that you delete my account from your records within the next 30 days as I do not have a contract with you. The FCRA requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you ( Encore Receivable Management Inc. ) can provide a copy of a credit application authorizing the disclosure of my credit files with my wet signature on it, only then will I accept your inquiry. Otherwise you will have to remove any negative remarks made on my credit files. 

This dispute letter is being sent in the allotted 30-day timeframe as specified in your initial contact letter. You now have 30 days to comply with your proof of claim and gather any evidence, including any signed wet signature contracts between both parties and/or any court order expedited against me. You must present me with certified copies of each ( if any ) of those documents exist. If you do not contact me within the next 30 days I will assume all my demands have been met. Should there be any questions on procedure please refer to the Fair Credit Reporting Act. 

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 611 - 15 U.S.C. 1681i Please mail me a copy of the signed application/letter indicating your intent in removing any negative remarks on my credit within 30 days. 

Thank you for your prompt response on resolving this matter.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Was not sure the XXXX XXXX XXXX account was mine or when it got on there. For about XXXX years now, I've been using XXXX to get the correct wording for Equifax to conduct a proper investigation, verification and validation into the XXXX  XXXX XXXX account. I am skeptical because they said they verified by current address and found that I live and have been living somewhere else for the last THREE YEARS DESPITE me sending in my driver license with my current address. They are not verifying or validating anything. Equifax refused to provide how they conduct these validations and verifications.
Consumer complaint received 2018-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

navient wont change borrower to co signer happened when sallie Mae was the loaner they denied request also papers were filed electronically and the names were put in the wrong place daughter XXXX was to be borrower and me the father XXXX was to be co signer but companies refused to change it because money was sent to college I want to retire in a year from fire dept and dont want my name on this loan that should have been in my daughters name how hard can it be to change it she has been making the payments herself since grad school but they have consistently refused to alter the paperwork!
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/18 went to Chase Bank at XXXX XXXX XXXX and spoke to person at bank about paying off credit card debt, she then called Chase service and my husband and I spoke to a person by the name of XXXX for more than an hour. She said the call is being recorded. We said we wanted to make a one time payment on what we owe and what type of arrangement can we make. She offered two plans, keep paying or close the account. We chose to close the account and we agreed to make a payment that day of {$1800.00} ( which was all the money we had ) from {$2200.00} that was owed. My husband told her he would get on line to pay the amount and when person came back on phone, she said that the agreement had been declined. She said the reason it was declined was because there was usage on the credit card. 
I don't understand what using the credit card has to do with agreeing on the {$1800.00} payment. The branch manager 's name is XXXX XXXX XXXX and I spoke to him about this situation and he's looking into it. We had to go and borrow the additional {$410.00} to pay off our credit card.
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NJ)

I get paid on the XXXX. 
yesterday my account had a check for XXXX, and it caused my account to overdraft. 
I got paid, still the check bouced, and I am going to be penalized because of the bank, over 80 in overdraft fees. One by the bank, other by the company that deposite the electronic transfer. 

I was abligated to open a new account due to concerns about identity theft, but it was handled badly, and y new account have no protection for overdraft. The bank did not rstore the services under a new account number, hense the This is the second time this happens, Additionally,
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or correct the following inaccurate items in my report :
Consumer complaint received 2024-08-16
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. (NV)

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.

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Recently, I reviewed my FICO consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. Please remove these accounts immediately! Thanks! 

XXXX XXXX XXXX  - ( account number ) - XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I demand these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to immediately be removed from my consumer report unless there is proof that I signed giving authorizations for these transactions/inquiries, if there is no such proof then this is IDENTITY THEFT and needs to be removed no later than 4 days according to 15 USC 1681c-2- Block of Information Resulting From Identity Theft, and I will be coming after TransUnion for continuously allowing this after several disputes on this same issue, because you are not protecting my consumer rights as everything allowed on the consumer report should be 100 % accurate according to the law! And I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

On or around XX/XX/year>, we submitted a credit request to XXXX XXXX XXXX XXXX which was subsequently denied. XXXX cited that Experian reported a history of missed payments on multiple accounts as the reason for the denial. 

As paying members of Experian, we contacted them to address this issue. XXXX XXXX, an Experian representative, confirmed that our payment history is impeccable and that our credit report is completely clear, with a current score of XXXX. She indicated that XXXX was inaccurately representing the information. XXXX XXXX provided a contact number for XXXX to resolve the discrepancy, which we forwarded via email along with her instructions. 

On XX/XX/year>, another Experian representative, XXXX XXXX XXXX, reiterated that our credit file was accurate. Despite this, XXXX sent a subsequent email and letter repeating their previous stance. We responded by highlighting that this circular finger-pointing approach was unproductive and urged direct communication between the parties involved to resolve the matter. 

Given that both parties have failed to address the issue effectively, we are compelled to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek resolution.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX 's error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$830.00} These 3 Collection Agencies bot

h Violated ( FDCPA ) 15 U.S.C. 1692g : Under 15 U.S.C. 1692g and ( FCRA ) 15 U.S.C. 1681 Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Under 15 U.S.C. 1692g, debt collectors are required to provide a debt validation notice within five days of their initial communication with a consumer. This notice must include the amount of the debt, the name of the original creditor, and a statement of the consumers right to dispute the debt within 30 days. Despite my formal request for validation, [ Collection Agency Name ( s ) ] has failed to provide sufficient evidence that these debts are valid and legally enforceable.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : According to the FCRA, all information provided to credit reporting agencies must be accurate, complete, and verifiable. Under 611 of the FCRA, consumers have the right to dispute any information on their credit reports that they believe to be inaccurate or incomplete. I have disputed these collections accounts with the credit bureaus, yet the collection agencies have not provided adequate verification, which is required to continue reporting these debts. Failure to verify such debts mandates their removal from my credit report.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my deep frustration and dissatisfaction regarding the numerous attempts I have made to remove fraudulent items from my credit report. I have been a victim of identity theft, and the inaccurate information on my credit report is negatively affecting my financial well-being and reputation. 

The following are the issues I have encountered : I have been a victim of identity theft, and several fraudulent accounts have been opened in my name without my consent. Despite my diligent efforts to report these fraudulent activities, they continue to tarnish my credit history. I have reported these issues to the respective creditors and provided them with the necessary documentation, such as police reports and identity theft affidavits. However, the fraudulent accounts persist on my credit report, causing significant harm to my creditworthiness. 

I have submitted multiple dispute letters to the credit bureaus, explaining the fraudulent nature of these accounts and providing all the supporting evidence required to substantiate my claims. Despite my numerous attempts to rectify these errors, the response has been minimal, and the fraudulent items have not been removed from my credit report. 

I understand that maintaining the accuracy of credit reports is essential, and I am committed to restoring the integrity of my credit history. It is of utmost importance that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention and action in addressing these fraudulent items on my credit report. I expect a thorough investigation into these discrepancies, and I request that you provide me with written updates on the progress of these disputes and the results of your investigations. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. I hope such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove thes items in my credit report : 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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.