davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

Accounts American Express XXXX Subject : Urgent Request for Deletion of Inaccurate Information Pursuant to the Fair Credit Reporting Act and Defamation Concerns : I am writing to address a matter of utmost urgency regarding the inaccuracies persisting on my credit report, as reported by your agency. I previously communicated my concerns, and despite your claim of having conducted a reasonable investigation, the inaccuracies persist, causing substantial damage to my credit score and resulting in defamation of my name, thereby adversely affecting various aspects of my life.

I have reach out to you and its been over a year In reference to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. Sec 1681i ( a ), I assert my right to dispute and request an immediate correction of any inaccuracies on my credit report. Your continued reporting of erroneous information is not only damaging to my creditworthiness but also constitutes a violation of the FCRA, which mandates the accuracy and fairness of consumer credit reporting. 

The inaccurate information pertains to the following account : Account Number : [ Provide the relevant account number ] Despite my prior request for investigation, your company has failed to rectify the errors on my credit report. In accordance with 15 U.S.C. Sec 1681i ( a ) ( 5 ) ( A ), which requires prompt correction of inaccurate information, I demand that you IMMEDIATELY DELETE the inaccurate information associated with the mentioned account from my credit report.

The perpetuation of these inaccuracies is causing significant harm to my financial standing, and I am left with no option but to insist on the immediate removal of the erroneous information. Additionally, I am concerned about the potential defamation of my name due to the continued reporting of inaccurate data. 
To ensure compliance with the FCRA, I kindly request that you provide me with proof of deletion for the inaccuracies associated with the specified account. You can send the proof to my email address at XXXX and the provided postal address. 
I expect your prompt attention to this matter and a swift resolution in line with the FCRA guidelines. Failure to comply may result in legal action being taken to protect my rights under the FCRA. 
Thank you for your immediate attention to this matter. 
Including the requested documents, to my attention at XXXX and the address provided above. 

Your prompt attention to this matter is greatly appreciated, and we anticipate your cooperation in resolving this issue promptly.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (FL)

I am a XXXX Veteran and I served in the XXXX war for XXXX long consecutive years. While I was in the warzone, someone stole my credit and destroyed my credit worthiness from Exceptional to Poor. Since XXXX I've worked relentlessly to correct this fraud. Finally in XXXX, I completed the task and returned to Exceptional. Well in XX/XX/XXXX, these people Zions Debt Holdings destroyed my Exceptional Credit Rating again, by placing a collection item on my account. I have never heard of these people nor have ever received any correspondence ( call, letter, text ) from them, yet suddenly a collection appeared on my report. I sent them a Certified Letter demanding removal of this item but the letter was returned. I sent it to the address listed on my credit report, but it must have been rejected and forwarded to their address listed at the XXXX  but it was eventually stamped " : return to sender. '' 10 days later. I can only assume this is a stall tactic. I requested a copy of the wet signature contract, a printout of payments and proof of ownership. As a Senior citizen Consumer it is Elderly Abuse for companies like this to target a niche market and completely destroy peoples livelihood. The guys were ( are/were ) formally XXXX XXXX XXXX and have accumulated over 300+ complaints in a 3 year period about home security system issues. They systematically fail to provide documentation for claims, yet their derogatory entries remain on peoples reports ... WHY? How long will they continue to get away with this? Read the complaints listed at the XXXX! This business model is not ethical and serve the people. IT IS NOT RIGHT! I do not deserve to be a victim of this type of tactic and I demand justice. Remove this entry from my report immediately and return me to my hard earned credit rating ... investigate these people. They even placed the entry on my Son 's credit report.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX my client paid my invoices totaling {$20000.00} dollars through XXXX. XXXX uses WEPAY as a processor to send money to my chase business account. 
In my WEPAY account it showed the deposits, their fees and they were sending my bank {$20000.00}. There was no eta on when those funds would be completed and deposited to my chase account. I sent Wepay an email since that is the only way to get a hold of them as well as put a ticket in with XXXX. I got a reply from wepay on XX/XX/XXXX request ticket # XXXX stating that the money had completed the review and a settlement would be proced shortly. I emailed back for an XXXX as I have payroll to pay. They replied back that a settlement of {$300.00} was sent to my bank account on XX/XX/XXXX I have no such deposits. I emailed back requesting to know when my full amount will be deposited and where was it. I received an email back stating that someone from a support team would be reaching out. 
I got an email from WEPAY customer delight team on XXXX stating : " Chase XXXX Payments Unfortunately, we can no longer support your business because your account falls under a category of which we are declining to process. 

At this time, with the information provided on your business, we are unable to continue processing payments for your account. 

More specifically : After careful review, it has been determined that we will no longer be processing payments for your account and have closed the account. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. Please contact us after the 120 days has expired. 

If your balance goes negative, we'll recover those funds from your bank account. For full details, please refer to our Terms of ServXXXX. 

We wish you all the luck in the future, and hope that you find a processor that better fits your payment processing needs. 

Sincerely, The WePay Team '' Now my {$20000.00} dollars are gone! My wepay account is closed with no other reply from them when I requested further review and a call with a human. This has triggered a great financial burden on my small business, I have vendors to pay my office rent my employees. Wepay has failed to deliver my money and has failed to respond to where my money is and when I should expect it. I don't know what to do at this point.
Consumer complaint received 2024-02-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

Card was purchased. XXXX  Amex Gift Card ( not a specific store or location needed ). 

I have attempted to use this card multiple times now and have been rejected every time. Stores were XXXX 's, XXXX XXXX and XXXX XXXX. All Failed. 

Called American Express Customer Service on the card and was told " To try at other merchants. '' Well that sounds like a kicking the can down the road type answer to me. Let me spend my money or don't take it from me to put on a card to begin with!
Consumer complaint received 2023-06-08
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)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 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 2024-05-01
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently checked my credit report and I see some incorrect information on my report, that is affecting my ability to obtain credit at the moment, can you please investigate this account? 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I encountered an issue with a Chase ATM deposit on XX/XX/XXXX. After depositing {$6900.00}, the ATM prompted me to call XXXX for confirmation. Upon calling, a specialist initiated a claim related to my deposit. However, only {$1000.00} was credited back to my account on XX/XX/XXXX without any explanation. Upon contacting the claim department again today, another specialist stated he could see the previous record, which unfortunately didn't contain information about the {$6900.00} deposit. He has initiated a new claim. 

As a college student relying on these funds for tuition due tomorrow, I'm concerned about the delay. What steps should I take to resolve this?
Consumer complaint received 2024-02-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (GA)

To : DEPT OF EDUCATION/NELNET I, XXXX XXXX , a consumer, am notifying you that I dispute this alleged debt under 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed under the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and allowing me to opt out under 15 USC 6802.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. 
IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Consumer complaint received 2024-02-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (VA)

I have a late payment by about a week or two ( nothing severely past due ), and OneMain Financial calls multiple times a day, usually leaving no messages or very short messages that do not indicate who they are or what they are calling about. This has happened since the day after I missed the payment. I only knew it was OneMain by looking up the phone number whose call I missed. After not answering for about a week, they began calling my employer 's number asking for me at work. This is not at all okay as I keep my financial difficulties private. I am waiting to get paid so I can make my late payment next week and would appreciate them stopping harassing me, especially at work.
Consumer complaint received 2024-02-08
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY (TX)

I tried using my {$1000.00} and {$590.00} American Express reward cards at multiple online retailers but was continually declined. I called customer service and they were no help at alltelling me that some retailers just dont accept this card. I would not have elected to receive a gift card with AmEx had I known I couldnt use this huge amount of money at any of the stores I shop. The false advertising that this reward card would be accepted wherever AmEx cards are accepted was misleading and untrue.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I recently checked my credit report and I see some incorrect information on my credit report, can you please investigate this account info? 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-08
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: BARCLAYS BANK DELAWARE (NJ)

I used this card to make purchase on XXXX on XX/XX/XXXX, but that order was unilaterally cancelled by XXXX on XX/XX/XXXX due to suspicious activity, while XXXX still charged me on this card for it. 


I filed a online dispute with Barclays on this transaction XX/XX/XXXX when I saw the posted charge from the statement. After a few days, I received a phone from Barclays dispute team, but I was only asked to confirm the transaction date, amount, etc. I offered to submit additional information/documentation for this dispute, but Barclays was NOT interested to obtain such info from me, which left me in a such WEAK position into this dispute versus XXXX. 

On XXXX XXXX XXXX Barclays sent me a letter about the denial decision of dispute. Inside this letter, Barclays did not explain any reasoning of such denial but just included the rebuttal from XXXX. The whole rebuttal point is that XXXX has a SIGNED proof of delivery and XXXX shipped the order on XXXX XXXX XXXX 

Based the rebuttal information, I file a disputer re-opening with my additional information ( which I was NEVER having any chance to submit ) to such rebuttal, which include the original DATED order email, DATED XXXX official cancellation Email, and my XXXX order history showing such order completely removed/cancelled. 

HOWEVER, my disputed was denied again on XX/XX/XXXX. I called Barclays on XXXX XXXX XXXX I was told the reason why I first dispute reopening was denied is because I failed to provide the description of the merchandise. 

First, such information was never explicitly required in the first time letter of denial ; Second, Barclays never tried to contact me for such information after I reopened the dispute ; Third, I DID provide the original XXXX order ( which was cancelled by XXXX ), that has such information within. 

Barclays Billing Dispute back-team person/supervisor is VERY unprofessional in handling my dispute, they never looked at my dispute statement carefully, and they never communicated to me for any information related to this dispute, AND they used the reason " I failed to provide description of merchandise '' to deny my dispute. This is LYING
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

On XX/XX/2023 I purchased a Vanilla prepaid card in the amount of {XXXX} and {XXXX} for the card to use online while my bank was sending me a new debit card. I was going to use the card for groceries and other items online. When I got home I opened the untampered package to find that the card had been made unusable by scratches on the card number and the XXXX XXXX on back. I immediately called the company and after the hassle of trying to reach customer service they informed me that they would have an investigation into the matter and that I needed to provide photos of all the evidence I had and my ID which I did. I asked how long this would take to which they answered 30 days. It was the only money I had until I received my social security check. They don't care about that and just told me to get the evidence and ID photos to them quickly. When I emailed the photo evidence to them I did not receive any communication back from these ripoffs. And yes I was angry. I emailed them about my case a number of times to which I received no communication. It's getting close to a month now and am still out the money I used to buy and load the the card.
Consumer complaint received 2023-05-01
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. (FL)

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 XXXXXXXX, 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 an 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.