davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased a total of 4 items on XX/XX/2022, from XXXX. The items were delivered on XX/XX/2022. Upon opening the box, I noticed something strange from the start. I noticed the seal of various boxes to be tampered with. The seal being broken was the first red flag. The second red flag was the condition in which the boxes were in. The boxes were clearly mishandled because they were damaged. This is the reason why I am requesting a full refund of {$1300.00}. 
Processors The two processors I purchased were the XXXX XXXX and the XXXX XXXX. The XXXX turned out to be a XXXX XXXX XXXX and this was one of the items with a broken seal. The XXXX XXXX was correct, but the pins were bent and it was also one of the items with a broken seal. Upon realizing what was wrong, I immediately went to XXXX in XXXX, CA to try and fix the problem. When I got to the store, the manager in charge refused to replace the items stating, Its my word versus your word. I went home and tried to talk to customer service over the phone but they kept insisting I visit a different store and try my luck there. 
Motherboards I purchased two motherboards in this same purchase. I purchased an XXXX XXXX XXXX and a XXXX XXXX XXXX. The XXXX XXXX motherboard was misboxed and I received a random blue motherboard made by XXXX. This was not at all what I ordered. The XXXX XXXX tomahawk was the only correct item. It worked as intended, but after dealing with all these other defective products, I just wanted my money back and did not want to deal with XXXX anymore. 
Second Attempt I made a second attempt to return the products. On XX/XX/2022, I visited the XXXX location in XXXX, California. I explained my situation, and the employees seemed to understand where I was coming from, but unfortunately, they did not go through with the return. Instead, they gave me a customer support number to call and try to get the return approved that way. I was unsuccessful in having them provide me with the means to return the merchandise in the same condition I received it. 
Final Thoughts My experience with purchasing items from XXXX was a complete disaster. Not only were the items delivered in a mishandled condition with broken seals and damaged boxes, but the items themselves were defective and incorrect. Despite my attempts to rectify the situation by visiting XXXX different XXXX locations and contacting customer support, I was met with resistance and unhelpful responses. I am left with no choice but to request a full refund of {$1300.00} for the XXXX items I purchased. This experience has left me extremely dissatisfied with XXXX and I do not recommend anyone to purchase items from them.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXXXXXX XXXX XXXX - Account number XXXX and XXXX XXXX - Account number XXXX.
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (SC)

Since Friday of last week, XX/XX/2023 I have been told that I was approved and was to receive my funding on Monday XX/XX/2023. I have XXXX  and XXXX  currently and needed my granddaughter to speak for me. I sent in everything requests and even set up auto pay and picked the date of when my payments will be deducted and they still won't speak to my granddaughter or send me my money. I have SEVERAL calls and emails to prove such. I just want my money. Can you please help me? 
XXXX XXXX
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. 

Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

From XXXX to XXXX we were trying to get a loan modification and were continuously denied with no answer to why. During that time since I wasn't getting anywhere with the bank I hired an attorney that had promised me to get me a loan modification through the courts. This went on for several year and the bank did not want to offer me a modification. Then XXXX I was XXXX  suffered a XXXX XXXX  and was in a XXXX for several month. When i came out of the XXXX  and was able to deal with my mortgage my attorney kept telling me that he was still working with SLS on trying to resolve my mortgage. After COVID to try to help me negotiate a short pay or short sale this went on again for years with no answers from SLS and i just came to find out that my home is in foreclosure with a scheduled auction. I was under the impression that it was being reviewed if we had known that this wasn't being considered i would have tried other options. I am asking for the auction to be postponed so I can try to resolve this matter so I do not lose my home.
Consumer complaint received 2023-10-18
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I requested for the removal of all personal information that does not apply to my current personal data. XXXX, Equifax and XXXX have violated the law by failing to remove this information. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. 

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Consumer complaint received 2023-10-18
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. (NJ)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX  Account # 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 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I WIRED XXXX XXXX A TOTAL OF XXXX ON 4 DIFFERENT OCCASIONS THRU BANK OF AMERICA XXXX TO ANOTHER BANK OF AMERICA CUSTOMER WHICH IN MY CONTRACT I WOULD BE EXPECTING XXXX ON XX/XX/2023 AND OF COURSE WHEN IT WAS GETTING CLOSER TO THE PAY OUT DATE HE STOP ANSWERING MY CALLS LAST ADDRESS I HAD FOR HIM WAS HIS PLACE OF BUSINESS WHICH IS LOCATED IN XXXX VIRGINIA. I CONNECT MY BANK WHICH THEY TOLD ME IT NOTHING THEY CAN SO I DROVE TO VIRGINIA ON XX/XX/2023 AND FILED A COMPLAINT WITH THE DISTRICT COURT WHICH WAS SCHEDULED FOR XX/XX/2023 I DROVE BACK TO XXXX FOR THE JUDGE TO TELL ME ITS NOTHING SHE CAN DO. I REACHED OUT TO THE ARMY/MILITARY BASE BECAUSE I KNOW HE IS IN THE ARMY AND HAD NO SUCCESS.
Consumer complaint received 2023-10-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc (MO)

I have a defaulted loan with Possible Finance. I am unable to pay the loan in the app, I have been unable to pay in the app since it defaulted. I emailed customer service several times and am never provided a way to pay yet they are reporting a negative account on my credit report.
Consumer complaint received 2023-10-18
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-02
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. (MI)

1.XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 


DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/AIDVANTAGE XXXX has violated my rights. Or list of inquiries 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 2023-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

I have been in the pslf program for years. Recently with the new limited waiver, I was able to have my payment counts update closer to forgiveness. I am now faced with them not looking into why some gaps are missing in my payment counts, as well as an ineligible payment listed that was covered by the limited waiver. I get a different answer why my account isnt being looked into every time I call. I am being told wrong information about my account. This lack of professional is leaving me with 4 months short of forgiveness close to when the payment pause will end. I have taught at a public school for almost 12 years. I know Ive qualified for well over my XXXX counts. I am a single mom of XXXX and will have {$900.00} a month in student loan payments when the payment pause ends if my account isnt updated in time. I am looking for some help, and mohela is giving none.
Consumer complaint received 2023-02-26
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: LEXISNEXIS (NC)

XXXX complaint CLOSED Opt-out processed from all public-facing products. Our records indicate that on XX/XX/2023, XXXX XXXX contacted the LexisNexis Privacy Manager to request an opt-out of certain LexisNexis products. LexisNexis processed XXXX . 
XXXX request and opted his name, address, and phone number out of our public-facing products pursuant to the Privacy Policy listed on our website, and a confirmation letter was mailed to XXXX. XXXX for review. 

I never stated an opt out of certain products, I stated removal off all of my information from all products. 

This is a violation of my privacy, 15 U.S.C 1681 section 602A. 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. 


The U.S.C above do not state that the code does not applies to certain products of lexis Nexis for variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX. There is not any law stating it must be reported.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IA)

I am a XXXX XXXX XXXX member who was required to get a XXXX XXXX XXXX for official travel. Citi handles the XXXX program and they are fleecing the US government and scamming US service members with absurd fees and interest. Back in XXXX I was instructed to apply for this card, so I did. I was unaware of a {$29.00} activation fee. I received no correspondence about this fee until a letter received in XXXX that said I owed that along with an additional late fee, for a total of {$58.00}. I tried to pay the {$29.00} fee on their automated line, but it didn't work. So I tried calling customer service multiple times. Every time I called I'd be on hold for upwards of an hour. When I finally got through to a person, they were rude and condescending. I finally asked to speak to a manager. After another 30 minutes of hold time I was asked to provide a phone number so someone could call me back. Several hours later, a manager called back and was just as rude and condescending. She provided no further help or information. Citi is running a racket. They have abysmal customer service because they don't need to provide good service since we are forced to use their trash products due to the government contract. If I'm having this much trouble with these charlatans, I am certain many other people are struggling with similar issues. I've spoken with several other individuals who have similar stories of phantom fees and horrendous customer service experiences. Additionally, their fraud detection is terrible and many people have been left on the hook for fraudulent transactions. Citi is the absolutely worst company I've ever had the displeasure of dealing with, and I would never voluntarily use any of their products. My recommendation is to stay as far away from these criminals as possible.