davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (VA)

On XX/XX/XXXX I completed an online purchase through the XXXX XXXX XXXX 's website of a diffuser and a single bottle of oil. On XX/XX/XXXX I got a call from scent consultant XXXX XXXX XXXX XXXX XXXXXXXX where we discussed that my purchase of the diffuser will be refunded if I subscribe to the oil " subscription ''. She asked me for my social security number needed for the oil " subscription '', and its intended use was only to verify my identity. A link to start the application with XXXX XXXX XXXX by clicking here XXXX XXXX XXXX. The application attached goes over terms. XXXX XXXX, she flew through the application, noting " click here '' " initial there '' and so forth. Upon arrival of the portion of the document that speaks to interest charges, she said for me to " ignore the interest, the company absorbes the interest so don't worry about that '' This call too place on her personal line of XXXX so it would not have been recorded. 

A few weeks later I receive a statement that shows interest charges in the amount of {$10.00}. I sent an email to XXXX to uncover review the potential XXXX concern and of course did not hear back. Copied on this email were XXXX and XXXX of Universal Account Servicing LLC ( UAS ). XXXX XXXX. XXXX was opened with the XXXX XXXX but I never heard from Universal Account Servicing. I was contacted via phone by hotel collection and had a discussion where I was encouraged to pay in full {$3900.00} in order to " avoid interest charges ''. I expressed that I being told there was no interest during the call with XXXX and again during this call was deceptive. 

My original purchase of {$1000.00} will now cost {$5000.00} because I was talked into a financing a purchase disguised as a " subscription ''. The word subscription presents a very different level of engagement than that of a interest bearing loan. This complaint is on both XXXX XXXX XXXX XXXX as well as Universal Account Servicing LLC ( UAS )
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (SC)

RE : Adverse Action I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied on XX/XX/2023 for an OPEN-ENDED GOLD AMERICAN EXPRESS CARD . 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691 ( c ) ( referenced below ) and is pursuant to civil liability under 15 U.S.C 1692k ( referenced below ).

You are subject to criminal liability for violating 15 U.S.C. 1691 ( referenced below ) as I have proof that I was discriminated against by AMERICAN EXPRESS due to response I received.

AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. 

Regardless of the reason for being denied, I have the RIGHT TO CREDIT. Withholding my access to my securities is securities fraud. You are in turn violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me my credit and access to my securities please retract my original application and return it to me. 

If not then please move forward and send me the applied for card or if you require further evidence as to my claim then I am more than willing to send you a copy of your Trust Indentured Agreement with The XXXX XXXX XXXX XXXX XXXXXXXX with highlighted sections pertaining to the application ( security ) that I initially filled out. I am aware that in lieu of my denial you will securitize that application ( security ) and monetize it for your own benefit. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS.
Consumer complaint received 2023-12-22
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings (WA)

I received a call from XXXX XXXX who called from XXXX XXXX XXXX and XXXX XXXX XXXX initially claimed i owe some amount and i said i am unaware of this amount. 

then she asked me personal information about my another person and asked what details I know about her and tried to collect more of Personal Identity information about another person and told she wants this information about another person she also claimed that i am part of a lease then when i asked the lease document, she changed her statement sorry it was mistake you are not part of lease. i asked why you kept changing the statement she hanged up. 

I called again the same number I got someone name XXXX who read a script and made me say Yes, I declined to say yes and he did not cooperate to answer the questions about their company 's debt collection process and he barely gave out the name of who called and he is saying they are now removing my name because I don't owe the debt and when asked why they are harassing in the first place, he says it was a mistake they are removing the name now
Consumer complaint received 2024-06-14
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (NJ)

On XX/XX/year> at XXXX I received a deposit from XXXX  XXXX onto my Money Network account for the amount of {$1300.00}. 

On XX/XX/year> at XXXX the amount of {$1200.00} was transferred to a personal bank account ending in XXXX transaction ID # XXXX. This bank account is not mine, nor did I request or approve this transaction. 

On XX/XX/year> I noticed the unauthorized transaction. I also noticed that the password to my account had been changed by someone other than myself, and I no longer had access to it. I immediately called Money Network and my prepaid debit card and my account were shut down. The remaining balance in the account was mailed to me. 
Also, at this time, I was told to contact this email address to request a provision of credit. I followed the steps given to me. 

I then called the state of XXXX to change my method of payment. 

On XX/XX/year> I received a letter that my dispute had been denied. I called Money Network back and asked why. I was told the account that the money was transferred into is in my name. 

I have no knowledge or access to this account ending in XXXX.
Consumer complaint received 2023-12-03
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 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Yesterday, XX/XX/XXXXXXXX XXXX XXXX at XXXXXXXX XXXX, I received a call from Bank of America. And later I listened the voicemail. The voicemail record said the speaker was XXXX XXXX asked me to call her. Since I received another so-called from another XXXX ' in voicemail said XXXX. Both call came from same number XXXX. Even though I did not listen again XXXX voicemails, I remember the voices were different, disgustingly. XXXX of XX/XX/XXXX asked me to call back XXXX for the claim number XXXX. Since it does not make sense, why I need to call back number XXXX, which I made claim often, from the phone number XXXX which is not XXXX number of Bank of America.
Consumer complaint received 2024-06-14
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. (MA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (MA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
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. (NY)

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

Over the weekend- we visited our Citi mobile app to accept an offer from Citi Bank to transfer the current card to another card they offer with better points and a waived annual card fee the first year. Surprisingly- Citibank closed my account. I have been paying my account diligently ( via Auto draft ) - never been late - paid my account off several times- been an excellent customer- not to mention about to buy a new home so this Closing of our account will harm us tremendously. : ( We've never had a closed account- a charged off account- or any negative impact to our credit. I and my wife both have an excellent credit history. 
We had ONE issue that was out of our control that resulted in a total Statement balance payment in XXXX and it deducted the total balance of {$5100.00} from our XXXX XXXX XXXXXXXX account instead of the usual payment of $ XXXX {$1000.00}. Which would usually be considered a positive. 
Citbank advised us to call XXXX and reverse the charge so we get the correct amount to them which is what we did. UnfortunatelyXXXX XXXX could not reverse the payment and we adjusted for the month. 
The following month the payment withdrawn and we were advised it was reversed and to correct it and we did immediately through the online app. Found out-XXXX  automatically adds a block when such things happen or are reported to prevent any payment from being made from that account and I had to correct that. Once it was corrected there were no more issues and payment was made and cleared. Why wouldn't Citbank reach out and give us a fair chance once seeing this account has always been in good standing and this issue was not a fault of our own instead of turning to such harsh measures on the consumer? I was thinking of opening a Business Checking with this Bank and just spoke with someone Friday! I almost deposited $ XXXX into this bank! God is always there in the signs he shows us
Consumer complaint received 2024-06-14
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. (VA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I have been trying to get a hold of someone from Mohela for the last XXXX months to understand how my payments are being calculated, why interest is still accruing when I have been put on the XXXX plan but I can not get a hold of anyone or keep getting re-directed with no correct answer. The company is clearly overwhelmed with the number of loans they are handling.
Consumer complaint received 2024-06-14
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Pleaseremove these files. 
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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-09-21
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

I made a payment of {$20000.00} from my XXXX checking account to my Wells Fargo credit card on XX/XX/2023. The money left my XXXX account on XX/XX/, 2023. I called Wells Fargo on XX/XX/ 2023 at XXXX Eastern Time inquiring why the available credit limit and balance hasn't been updated, and they claimed even though the money is with Wells Fargo they have placed a 15 day verification hold on the account. They were unable to get on a 3-way call with XXXX to verify the payment nor were they willing to provide details on the verification hold. My money is sitting with Wells Fargo for 15 days without interest, and I am unable to use my credit card.
Consumer complaint received 2023-12-03
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bright Capital Inc (PA)

on XX/XX/XXXX, I contacted customer service to explain why my bank account has been charged around {$200.00} and that only {$65.00} reflects in my BrightMoney account. Customer service said they would send me a list of expenses and never did. I tried to cancel my account and they never did. I just want my money back and my account closed.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (IL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$48000.00}.
Consumer complaint received 2024-06-14
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 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 2023-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally complain about the numerous unsuccessful attempts to correct the late open accounts that are inaccurately reflected in my credit file. Despite my continuous efforts to rectify this matter, the corrections have not been implemented, causing significant distress and impacting my financial standing. 

I initiated the process to address the late open accounts on my credit report by submitting disputes through your online dispute resolution system. Despite these multiple attempts, the corrections have not been made, and the inaccurate information continues to adversely affect my creditworthiness. 

The presence of these late open accounts has had severe consequences on my ability to secure favorable interest rates, obtain credit, and engage in various financial transactions. I have diligently followed the established procedures, including contacting your customer service department on numerous occasions, yet the promised corrections have not been made. 

I understand the importance of maintaining accurate and reliable credit information, and I am committed to ensuring the integrity of my credit file. However, the persistent challenges in correcting the inaccuracies have left me frustrated and concerned about the impact on my financial well-being. 

In light of the above, I am requesting an immediate and comprehensive review of my case. I expect a thorough investigation into the late open accounts on my credit file and the prompt correction of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$23000.00}.