davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Comerica (CA)

I have had a DIRECTEXPRESS from COMERICA BANK for the last 8 years. On XXXX XX/XX/2023 I called the information line to find out about pending transactions as usual. The bank indicated that my card had been canceled. I had not authorized the cancelation. In fact, I had used the card recently in the month of XXXX. Only at the ATM so I didn't receive a paper receipt. The agent for COMERICA, XXXX, informed me that the card had been canceled three month 's prior. It is a debit card. So I went to XXXX located on XXXX XXXX XXXX and filled out paperwork to effect direct deposit into my bank account. That was XXXX XX/XX/2023. On XXXX XX/XX/2023 I obtained documents from my bank indicating that I had made ATM withdrawls in XXXX, no paper copy, and an XXXX on XXXX XX/XX/2023, obtaining a paper copy. I proceeded to XXXX XXXX and spoke to a Social Security XXXX. He directed me to this website and said that I could wait to talk with a specialist. He told me that many folks were experiencing similar problems with COMERICA.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Regarding my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I.

These inaccuracies have the potential to adversely impact my creditworthiness and financial standing. Therefore, I request a thorough investigation into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts.

I urge prompt action to rectify these issues and ensure compliance with FCRA regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the FCRA.
Consumer complaint received 2024-04-22
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. (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. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  / XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Franklin Credit Management Corporation (CA)

Hello, I am filing a new complaint as the Franklin responded to the previous complaint but issue has still not been fully addressed. The company responded back with a history of the loan, but did not address the issue of forbearance during the pandemic. As previously stated we were able to workout a repayment plan in addition to receiving assistance from the CA mortgage relief payment following our forbearance. That said, we advised Franklin during the pandemic of our financial hardships, including but not limited to loss of pay, illnesses, car accident, onset XXXX caused directly from the pandemic, we made payments as we could stayed up to date with mortgage protections/laws HUD agency even state of CA. Franklin never once said that we were facing foreclosure due to the pandemic and homeowners protections in place. Our last payment to Franklin cleared XX/XX/XXXX in the amount of XXXX. I advised Franklin that we were working with the state for assistance, kept them abreast of status updates. I advised them that the stated denied as they're not assisting with 2nd loans or HELOCS only firsts and advised me to reach out to the servicer as I should have been offered some type of work out plan after the forbearance. I told them the only thing they told me was that I needed to pay the entire past due amount in addition to attorney fees and there is some XXXX plus charge on there as well. I obviously am in no position to pay that full amount. We are wondering why we were sent directly to pre foreclosure and where the letter advising us that our forbearance had ended and offered options to rectify. At the end of the day we just need help and the actual amount of the payments missed and for what months, the payments we made so I can compare to bank statement in addition to the copy of the letters stating our forbearance was over. We have been through a lot, things have not been easy, we have fought for our home. We are just everyday Americans with XXXX struggling after a pandemic to survive. Please help us. 
Thank you so much.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (LA)

I did two balance transfers from citi card to XXXX cards to two of my accounts at XXXX on XX/XX/2024. One was XXXX and one was XXXX XXXX XXXX. They never arrived at the XXXX cards, so I contacted Citi multiple times, finding out that Citi sent the checks to the wrong account numbers. 

The account numbers listed on the checks are similar to mine but not correct. I asked Citi to fix this and they said they would, but didn't. Citi finally sent me copies of the checks they sent, showing XXXX cashed them both on XX/XX/2024, but to two incorrect account numbers. Citi told me to contact XXXX and have them find the checks and apply them to my correct accounts. 

I contacted XXXX and sent them the copies of the checks via fax. They looked into it and found that those incorrect account numbers did not exist, so they said that the checks were denied and sent back to Citi. They could not apply them to my accounts as they had already sent them back to Citi. 

XXXX said that since those account numbers did not exist, those two checks were denied and sent back to citi. 

Citi needs to find the returned checks and apply the amounts back to my account. I am currently owing nearly XXXX dollars that has gone NOWHERE. It needs to be fixed, asap. 

I have talked to Citi several times and they have not been able to fix this yet. 

I've attached copies of the checks which were sent to incorrect account numbers. The incorrect account numbers are on the checks. Again, these accounts do not exist at all. XXXX denied the checks and sent them back to Citi. 

The correct account numbers are : For the {$1000.00} check XXXX XXXX XXXX XXXX For the {$1700.00} check XXXX XXXX XXXX XXXX The card at Citi that is in question is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TN)

After learning that a company called Wakefield and Associates , Inc is reporting on my credit profile at all three credit bureaus, I requested validation of debt, breakdown of fees, & HIPPA authorization via a certified letter ( USPS # XXXX ) on XX/XX/2023 with a return receipt which was signed by " XXXX '' at Wakefield & Associates returned to me XX/XX/2023. After sending them this request in writing, Wakefield began communication tactics and called anyway despite my request and called at XXXX XXXX on XX/XX/2023 ( Phone Picture Proof attached ). They never responded to my request or wrote me back with the information I requested. I don't even know who this company is nor do I owe this debt. They are FALSELY reporting to the credit bureaus with a debt that I do not owe and thusly using abusive tactics to obtain money and destroy my credit worthiness. Please help me cease the reporting of information concerning me from this company on a debt that does not belong to me neither do I owe.
Consumer complaint received 2023-05-11
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: CLGF Holdco 1, LLC (CA)

In accordance with fair credit reporting act Feb Destiny - Genesis FS Card Services, Account # XXXX XXXX XXXX XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Victim of " Refund Fraud ''. Chase Paymentech, credit card processor, online account was compromised with my credentials beginning XX/XX/XXXX - XX/XX/2024. The hacker executed 164 refunds from XXXX XXXX. XXXX XXXX processed 102 refunds only rejected 62 of the requested refunds. The 102 refunds that Chase Paymentech did process amount to {$26000.00}. Chase Paymentech officially has declined to refund the {$26000.00} the hacker was able to process from our online account before Chase Paymentech blocked the remaining refund requests. 

Discussion with Chase Paymentech fraud department representative results that our 16yr old account had no previous issues, therefore, the account had little oversite. Also, Chase Paymentech has new system with tighter security, however, our account had not been migrated to the new system. Consequently, we are a victim of being a good long-term customer. 

Communication has been intermitting since the XX/XX/XXXX first alert, each time being told " someone will call you in 5-7days, these things take time to research ''. 

A claim was made with XXXX XXXX, Texas Sherriff Department on XX/XX/2024 after lack of communication from Chase Paymentech.
Consumer complaint received 2023-12-08
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Over a year now I have not been able to get Equifax to resolve the issue of why no creditor can have access to my credit report. There have been over 10 calls placed and I have yet been able to get them to resolve the issue. Each time I talked with them they verify there is no active credit freeze it lock on my account. I even have file several disputes via online and directly with a csr. I have each time provided the requested identity verifying documents that they have requested including my driver 's license, social security card, and proof of address. Yet as of today that problem along with erroneous personal information such as my name, unknown addresses, and a XXXX account remain unchanged. I am a previous victim of identity theft who had to go through XXXX to recover my financial reputation. But now I can't aquire any credit to purchase a car or even cell phone because no creditor can access my report. This is not right
Consumer complaint received 2023-12-08
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received email message saying UNUSUAL ACTIVITY SURROUNDING my BOFA Debit card ( chip ) at a XXXX XXXX XXXX XXXX which that XXXX or ATM I never use, that it, the fraud was DECLINED, again DECLINED after reports through onsite BOFA XXXX ( XXXX ) I spoke with a bank representative several times to be treated in a suspicious and brusque manner ( as if trained - and as with other complaints over the years, see XXXX XXXX XXXX REPORTS to FBI and other ) the DECLINED STATE ( chip ) has left me without access to funds for day-to-day expenses, a new card presumably to be delivered in XXXX days, the DECLINED ( not carried through ) ATM activity at XXXX XXXX XXXX XXXX XXXX which I never use!, is now XXXX entries in my checking account listing of transactions, a REVERSAL XXXX followed by a POSTING XXXX XXXX which leaves me inaccurately charged {$100.00} for a transaction stated as DECLINED, as it appears and bank fraud which happened before during COVID-19 in which I lost several XXXX dollars. The intransigence of the bank employees leaves suspiciin ( baby crying in background, surly BOFA employee ( voice remembered from XXXX past oimplaint some law-suit XXXX 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
Consumer complaint received 2023-12-08
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. (FL)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. 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 XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-12-08
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. (CA)

After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness.

I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Consumer complaint received 2023-12-08
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: NAVY FEDERAL CREDIT UNION (FL)

Two hard inquires were reported by Navy Federal to all 3 of the credit bureaus XXXX, XXXX and XXXX, I would like for this to be removed it was not me. It will hurt my credit.
Consumer complaint received 2023-12-08
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. (NV)

I hope this message finds you well. The purpose of this communication is to follow up on my previous complaint dated XX/XX/XXXX. I want to inform you that I will be updating my credit reports within 15 days from today, the date I sent this complaint. I sincerely hope that the items listed in this complaint, for which I have filed a report with the FTC under reference # XXXX, will be removed before the 15-day deadline. Please take note of the following details : ***************EXPERIAN*************** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Incomm Holdings Inc. (TX)

I purchased a Vanilla Visa Gift card in XXXX with {$400.00} of funds on it from a XXXX XXXX grocery store, which was then mailed via USPS to a recipient as a gift. The recipient never received the parcel via mail, and on XX/XX/XXXX, I immediately reported the gift card as missing to Vanilla Visa Gift Card customer services. Per their automated message, website and FAQs, if a gift card is lost or stolen they will void the lost card in order to preserve the funds and provide a replacement to ensure the funds are not stolen. I've had about 7 phone calls with the team, where I've sent my receipts, license and proof of address to the client services email ( and received confirmation of receipt of email ) at least 5 times, however, each time I call Vanilla Visa, their team claims that they haven't received the documents, can not access the email that I send the docs too ( as it is managed by a middle office team that they claim to not have contact with ) and keep closing my case. I was also told that the case would be resolved in no more than 30 days, and it is now over a month since I reported my card missing and the team has not addressed my case, nor have they followed up with me once to provide a status update.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (AZ)

Lexis Nexis is refusing to provide me with my credit report, despite sending them multiple letters and providing them with any information they requested. After filing a complaint with CFPB last month, they sent me a letter providing a link that supposedly gives me access to my credit report, but the link they send me is not accessible externally for consumers. I am attaching the letter they sent me as proof of what they sent me was nothing more than deflection and deliberate refusal to comply. Rather than sending me copy of my credit report, they sent me a dead link simply because they can claim they were complaint with CFPB. I demand that they are fined for the misconduct and provide me with compensation for stalling me from reviewing my own credit report.
Consumer complaint received 2023-09-04
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. (GA)

Sent out debt validation never received any Response Regarding XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists