davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (GA)

A correspondence purporting to allege a debt claimed by : SIMM Associates, INC A written notice was sent as a response to SIMM Associates, INC to their Fair Debt Collection Practices ' Act notice that SIMM Associates, INC are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.

The notice also Demanded that SIMM Associates, INC " cease and desist '' collections activities prior to validation of purported debt and that SIMM Associates, INC must validate the claim of an alleged debt by providing the following : 1. Full Disclosure 2. Equal Consideration 3. Lawful terms and Conditions 4. The wet ink signature of both parties
Consumer complaint received 2024-05-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (WY)

On XX/XX/XXXX I requested a replacement card from Serve American Express Prepaid Debit Account as mine cracked and was not usable. They took the replacement fee from my account at that time. 

On XX/XX/XXXX I called as I had not received my replacement card ( which my paychecks are deposited on ). The lady said my address was not verified and it would be XXXX to XXXX business days and I would get a new card. 

On XX/XX/XXXX I called and the gentleman said he could not help me as it was not XXXX business days. 

On XX/XX/XXXX I called, again being told my address was not verified and it would be XXXX to XXXX business days. At this point, it has been over a month without access to my money. I have been unable to pay bills, buy food or gas. I asked for them to expedite the card and was told they could not do that, as I needed to wait the XXXX full business days.
Consumer complaint received 2024-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear KOHLS/CAPONE, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Revised Statutes regarding identity theft and fraud.

It has unequivocally come to my attention that KOHLS/CAPONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Missouri 's identity theft statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for KOHLS/CAPONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand that KOHLS/CAPONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that KOHLS/CAPONE will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-16
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. (NJ)

I have a credit card with XXXX XXXX XXXX. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. XXXX XXXX XXXX erroneously and fraudulently reported that I was XXXX and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from XXXX XXXX XXXX verifying all this. I tried contacting XXXX XXXX XXXX to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, Equifax, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from XXXX  XXXX XXXX.
Consumer complaint received 2024-05-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (MO)

I am formally writing this notice of dispute because I have reviewed two accounts reported to me by the consumer reporting agencies, I have with NELNET that are currently shown as both blatantly inaccurate and incomplete.

Both accounts that I speak of may be seen as verifiable and accurate in the company 's system, but they are factually reflected incorrectly in my consumer reports. This in turn is ruining the integrity of my consumer reports, affecting the growth of my XXXX and XXXX score, and may mislead other inquiring creditors. I am ensuring investigation compliance through the CFPB regarding this matter.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened a savings account with Citizens bank in XXXX Massachusetts, I believe in XXXX and deposited a tax return. The next XXXX transactions were also tax returns of XXXX, XXXX and I believe XXXX. I have made only XXXX transactions in total. I've never used online banking, never a debit card, and specifically never made a single withdrawal, this is my XXXX account. I went in to the bank on XX/XX/XXXX and was told my account was purged, they said via XXXX fraud. I filed a fraud complaint in the branch with the manager via office phone. 
On XX/XX/XXXX I called the bank for an update. 
I was told a letter was sent XX/XX/XXXX that have not received. They couldn't/would n't show me that letter. The manager XXXX XXXX told me that the letter said my claim was denied! They have never given me a single piece of paper showing me my account, the transactions, any letters orclaim info. NOTHING! 
Please help my girl friend is currently battling XXXX XXXX and undergoing treatments ( XXXX, XXXX, etc. ) This money was my intention to surprise her with a vacation upon completion of her illness.
Consumer complaint received 2024-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (PA)

I had a very serious medical issue lasting from very early XX/XX/XXXX & it is still ongoing. I was XXXX XXXX XXXX XXXX  XXXX XXXX XXXX from the XXXX XXXX I was in ( XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX PA. I never disputed this service even though I was unaware at the time due to Covid ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I NEVER received a bill from the XXXX XXXX for the ride. I did receive a check to cover almost all of the transport charge from my insurance company. My standard practice is never to just deposit these checks until I receive a bill & then I write a personal check to pay for the service. On XX/XX/XXXX I received an email from my cousin who was contacted by XXXX XXXX from Commercial Acceptance Company looking for either me or my power of attorney. I called the number she was given only to find out that instead of sending me a bill for services the XXXX XXXX just sent the bill to a collection agency. ( XXXX is the direct line for XXXX XXXX ). The rep for the agency was not very nice & blatantly lied to me about my cousin being on my list of contacts. She most definitely was not but I do recall her being listed as a potential contact when I have XXXX  my name. I told XXXX that I had to look for paperwork before I would pay. I found an expired check from my medical insurance made payable to me. I left XXXX a message saying I wanted a paper bill from them & I also wanted proof that the XXXX XXXX had sent me bills because if they had I would not have this expired check in my possession. I have no phoned Commercial Acceptance back & have not contacted the XXXX XXXX XXXX XXXX. First off for a company to not send a bill & just give paperwork to a collection agency is bad enough but for someone from the collection agency to lie about my contact list is really unforgivable. I have another expired check for the same XXXX XXXX XXXX XXXX for a different transport but have heard nothing from them as far as a bill goes. Am expecting to hear from a collection company for that too. Very shady tactics from both companies.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MO)

I was working at my computer and suddenly a picture popped up and my computer was frozen and locked. I tried to contact XXXX to correct, called the number and was immediately in trouble. The person wanted information from me in order to get the computer going. Yes, signals were going off in my brain but unfortunately, I moved ahead. They were able to access my XXXX XXXX account and remove {$980.00} from it. I did not see that until the next morning. I called XXXX and they were able to freeze my account. The scammer was able to open a Western Union account in my name and send {$980.00} to someone by the name of XXXX XXXX which is not a person that I know. I had to close my checking account, change all credit cards and freeze all three credit agencies. Western Union paid the receiver ( XXXX XXXX ) the {$980.00}. Now Western Union wants me to pay them back. I can attach a letter I received from Western Union this morning. They have contacted me several times. I do not believe I owe them this money because I was not responsible for passing this money on to the receiver. They should have known this was a scam, since you can see on the letter it went to XXXX XXXX XXXX. My XXXXXXXX XXXX fraud unit told Western Union it was a scam.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL (MI)

I had a purchase that was 18 months no interest equal payments. I paid a LARGE portion of the amount off in XXXX. I called after making the payment and asked for a reduction in the minimum payment amount. The lady I spoke with told me they could adjust and it would take up to three billing cycles. I called today and I spoke with three different people. NONE OF THEM spoke english. One lady could barely understand me because her dog was barking in the background. Finally I got to a supervisor who basically told me they would not adjust it. His name ( XXXX XXXX told me that its equal payments for 18 months. I said I realize that but at the rate of payment it would be paid off in 5 months leaving almost 10 months where there would be no payment because it would be paid off. I have indicated to them that the minimum payment as is ( which is still calculated over the original total and not adjusting for the large amount ) more than I can afford right now. I have asked for the payment to be adjusted. They have refused. I then asked for the promotion to be ended and I will pay the interest. They have refused. I just need the minimum payment lowered. Please help me.
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, Regions Bank sent me a letter indicating that I had no homeowners insurance despite my new homeowners insurance policy being sent to them on XX/XX/XXXX directly by the insurance company. When I go to the bank 's portal, they indeed show the correct policy number, but incorrectly entered the effective date as XX/XX/XXXX instead of XX/XX/XXXX. There is no way to reach a live person to inform them of their error and they are saying they will buy and charge me for a homeowners policy.
Consumer complaint received 2024-06-23
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: EQUIFAX, INC. (MD)

I have multiple inquiries on my credit report from unknown unrecognizable sources and have tried multiple times to dispute the fraudulent inquiries myself but they keep giving me the same result. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28
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. (TN)

On XX/XX/year> I received an alert that an unauthorized inquiry was placed on my report by XXXX XXXX. I did not give my consent for anyone to access my report. Please remove the unauthorized inquiry from my report. If not, please send me verification in the form of my signature, photo ID, contract, SSN, granting permission for the unauthorized inquiry. This inquiry is damaging to my credibility and should be removed immediately, thank you!
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

Starting on XX/XX/year>, I called Firstmark Services regarding my payment not properly being applied to my loan on the online portal ; I was told that the date of repayment was wrong and began a month earlier. This was an internal system error that also caused my payments to not be applied to the correct date which has resulted in all my statements showing a " past due '' and " current amount due '' that is wrong ; I am unable to fix this, even if I pay the entire amount due- I've tried this and it did not fix the issue. 

Since then, I have repeatedly called Firstmark Services to rectify this issue, I've submitted tickets, escalated the tickets, and spoken with supervisors who told me that their team is working to fix it, but its been several months and the issue is no closer to being resolved. I had to personally call them to change the priority status of my loan or else it would have negatively impacted my credit even though its entirely their fault. 

I have been trying to refinance a group of loans including the one serviced by Firstmark Services since XX/XX/year>, the refinancing company I have chosen requested an updated statement showing {$0.00} past due ; Firstmark Services is unable to provide me with this since their system is/has been having issues. Providing a confirmation of payment and current loan statement for my Firstmark Services loan was not a sufficient replacement for this. 

Now on XX/XX/year>, Firstmark Services has still not fixed their internal system issue and I am still unable to get an updated statement with my accurate loan information.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

See the documents attached. 
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.
Consumer complaint received 2024-04-03
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. (MD)

Tried to purchase window tint exemption consultation, never received services. Disputed the transaction with Chase, they declined the claim. Was met with rude customer service department when calling to figure out why claim was denied. Now Im out on {$130.00} and will probably close my bank account.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (MI)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. You have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CAPITAL ONE XXXX, CAPITAL ONE XXXX
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I visited Fifth Third bank for receving overdraft charges XXXX for XXXX at the close of the business XX/XX/XXXX, my checking acct showed to XXXX negative, by Monday, I was accessed these fees stating this was due to overnight processng and no other information was available when asked how do I monitor this information besides phone in to bank or bank application no explanattion was provided. 

This is the XXXX  time I have received these type of fees. I have been charge over {$500.00} for a total of maybe {$99.00} I am asking these funds be reimbursed to me
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Dakota Financial, LLC (CO)

I financed a used truck over a year ago and the more I look into the finance contract, they scammed me. I have over 1 year left on the loan and the truck has already been paid for. The contract doesn't say the total finance amount, and they don't say anything about a payoff penalty. I asked them for a payoff amount back in XXXX and come to find out they have a {$18000.00} payoff penalty ( proof attached ). 

I purchased a used XXXX XXXX XXXX from an auction for {$29000.00} ( Financed Amount ) with a {$7800.00} deposit. 

The term is for 36 months @ {$1200.00} per month = {$43000.00} + {$7800.00} deposit = {$51000.00} ( {$29000.00} financed ). The total interest is {$22000.00} but the payoff charge is over {$18000.00}. 

Dakota Financial is very dangerous to small companies!