davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (PA)

I attempted to pay credit control for my collections amount for my XXXX XXXX XXXX I attempted to pay them twice via electronic check and it was never taken out of my account. I received payment confirmations for both payments I attempted, and I was told today both came back with an insufficient funds error even though the account had more than enough. However, I spoke with my bank last night concerning payments made XX/XX/XXXX and XX/XX/XXXX and they had no record of a payment being requested. Since I bank with discover I have to pay via check but the payments aren't going through, to no fault of my bank or myself. I also attempted to communicate via email to get details in writing but I never received a response. I submitted a contact form on their website as well and no one ever got back to me.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (NJ)

Purchased the card in XXXX, gut the card would now work at several retailers due to changes in the cads terms of service which were not made clear at time of purchase. I requested a refund from Visa Vanilla which they deemed appropriate. They required several copies of documents to complete the refund on XX/XX/year>. On that day i sent all of the documents requested and received a confirmation email the same day. A month later they sent an email stating that they did not receive a copy of the store receipt, which was impossible because it was attached with the rest of the documents. However, on XX/XX/year> I sent XXXX more emails, with XXXX copies ( Jpeg, and Zip ) and got XXXX conformation reply emails. I waited another week and called customer service, got escalated to a supervisor and he confirmed that the document was received and that the refund would be issued withing 48 hours. I waited 3 days and did not get any contact so I called again. This time a customer agent tried to get me to send ALL of the docs again. When I told her I was going to contact the CFPB she then changed her story and said that they had received the proper documents and that I would have to wait 10 more business days. The fact that they have been lying over and over and not refunding my money is more than enough reason to believe that criminal fraud is being attempted.
Consumer complaint received 2023-09-01
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

I opened an account with Citibank on XX/XX/2024, a checking account, I initially funded the account with {$6000.00} over the next couple of weeks. On XX/XX/2024, I sent, via a wire transfer, the sum of {$320000.00} from my account with XXXX XXXX. The account at XXXX XXXX was in my name alone and those funds were part of a larger transfer from XXXX XXXX and the sale of certain stocks. 

On XX/XX/XXXX, I attempted a wire transfer of {$50000.00} to a bank in XXXX XXXX, with whom I had an account in my name only and with whom I had done multiple prior transactions. The wire transfer was done online in accordance with online directions of Citibank. And I had verified that Citibank had received my wired funds. 

On XX/XX/XXXX, Citibank cancelled the wire transfer and placed a hold on my entire account of {$330000.00}. I have made numerous contacts with Citibank, including multiple phone calls and personal visits to Citibank branches. I have been told that when I get my ATM card, the matter will be resolved. I have been told that check is in the mail and then, later I was told that the check is not in the mail, and it may take 60 to 90 days before the funds will be released. I have received letters that say that all I need to do is " verify recent activity '' and " confirm that all recent activity has been authorized, and we can only do this by speaking with you directly ''. The letter further states the " We have placed your account in a restricted status ... until we speak with you. '' As indicated, I have called multiple times and they do not know what to ask or what information they need. I have attempted to provide as much information as possible. They can not or refuse to tell me why my account is blocked and keep referring to the " Back Office ''. But they will allow me to speak to anyone in the " back office ''. 

They now have a hold on my funds for almost three weeks with no explanation, even though, in writing they say to call, and they will resolve the issue. 

I have asked Citibank to close my account and to immediately return my funds. They are withholding my funds without my permission, and they refuse to explain why. There has never been a fraud committed and I have offered to provide any information they need. Thy admit that they have possession of my funds including the sending me a bank statement showing they have possession. They simply refuse to give me my money of {$330000.00} back and refuse to provide a reason.
Consumer complaint received 2023-09-01
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. (CA)

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Consumer complaint received 2023-11-01
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. (TN)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting and XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 SECTION 602. A. 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 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.S. Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For Willful Noncompliance 15 USC 1692j. Furnishing certain deceptive forms
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For the past three months, I have taken the initiative to escalate my issue by creating two separate accounts with the Consumer Financial Protection Bureau ( CFPB ) and submitting identical complaints to the same company in the hopes of expediting the resolution process. The crux of the matter revolves around an erroneous late payment notation on my Capital One account, which I firmly believe is inaccurate. Despite my efforts, which included providing numerous supporting documents to both the data furnisher and the creditor to demonstrate that I made payments on time, the issue remains unresolved. I am diligently seeking a resolution to this problem and sincerely hope that this current complaint will be the final one I need to submit in order to rectify the situation and clear my record of any inaccuracies.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (VA)

This is my complaint to JPMCB AUTO for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MA)

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by XXXX, XXXX and XXXX. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. Nelnet is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. Nelnet, Account No. XXXX, Date of Account XX/XX/year>, I would like to receive the PROMISSORY NOTE connected to my student loan ( XXXX ) in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from Nelnet. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (SC)

In XXXX of XXXX I received a call from AMEX on evening and they questioned me if an attempted charge was valid ... ..company called XXXX XXXX. 
I said absolutely not valid. Amex said ok we will stop the charge and freeze that card and send you a new one. I said ok. 
A month later they put the charges for {$500.00} and {$1000.00} back on my account. That is {$1500.00}. 
I asked them why this happened and they never have an answer. 
I told them if you call the number on the charges it is disconnected. So stop putting these charges on my card!
Consumer complaint received 2024-05-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received instructions from my mortgage holder, Newrez, regarding a loan assumption. The instructions from Newrez were to complete, sign, and return a seller payout/ assumption information letter, which we did on XXXX. XXXX was told that in 24-48 hours she would receive the assumption application for the buyer. Newrez did not acknowledge or respond as having received the letter. 2 days later XXXX office started reaching out to Newrez with no response. 

On XX/XX/XXXX, another Newrez employee told XXXX that No, it takes the Assumption Department up to TEN days to send an application packet. So I call Newrez and they tell ME that I was supposed to CALL to initiate the process, that I had no case number, that NO ONE has a phone number to speak with the Assumption Department, but she would establish one & start the request process. 

I again called on XX/XX/XXXX. 
It is now XX/XX/XXXX and we have no application.
Consumer complaint received 2024-03-31
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. (IN)

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, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account name : Affirm # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account name XXXX # XXXX Account name XXXX XXXX # XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX has violated my rights.

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 2023-09-01
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. (GA)

XXXX has removed two my education loans that was paid off and closed well over 19 years then later placed them back onto my credit report with different account numbers. This is an ongoing situation with XXXX, the first is an education loan from XXXX XXXX XXXX, account number ending in XXXX, amount {$4000.00} is closed and 19 years old, the second account is XXXX XXXX XXXX XXXXAccount Number CLOSEDAccount Status Last Payment Amount 0Late Payments XXXX XXXXAge of Account Amount {$4000.00} They have failed to remove from my XXXX credit report
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview, serviced by XXXX XXXX, raises my rate and monthly payment without any notification. 

They do not provide any justification for increasing my monthly payment for a small condominium with a {$200000.00} loan. 
They do not respond to any of my communications. 
They do not assist or provide any remedy, and they are gouging me to the point that I can no longer afford to pay. 
They constantly demand, charge, gouge and treat as they have the Condominium and my good credit as collateral. 
In one year, they have raised my monthly payment from {$1100.00} to {$1800.00}. 
I am reaching out to you for relief as I am desperate and this company has made my life miserable.
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

Ive noticed that this company radius global has been illegally, threatening me, contacting me to retrieve a debt that I have no knowledge about and on my credit report, there is no original creditor on XXXX XXXX. The condition is unknown, and on XXXX the condition is closed. It is not a liable death, and I will be seeking a lawsuit.
Consumer complaint received 2024-05-14
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: Marlette Funding, LLC (SD)

I've disputed this credit report error twice. I've even called Best Egg and talked to the fraud department about this particular account. When I call in and insert my info, they can't find me. Once they search for my Social Security Number, they seem to find the account. However, nothing else matches. My name and birthday are not what's on the loan? Best Egg will not remove it from my XXXX credit report.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Pursuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal credit union has been reporting inaccurate information XXXX Go Rewards {$3500.00}. Cash rewards {$1500.00} to the credit .Stating that I am 30 days late on my credit card payments when there currently paid off and I have no debt established with the .I would like all false and inaccurate information removed as soon as possible .As it is hindering my credit tremendously.