davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX I loaded {$1000.00} each to my XXXX XXXX XXXX XXXX, totaling {$2000.00}. Later that day I received email notifications that both my accounts were closed without giving specific reasons. I called XXXX XXXX  customer service and was advised I could only write letters to XXXX XXXX  office in XXXX Georgia to communicate on this matter which could not be handled by customer service agents on the phone. 

On XX/XX/XXXX I wrote a letter to XXXX  inquiring about the reason for account closure and requesting refund of my balances. On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX and the letter enclosed with a {$100.00} check. On XX/XX/XXXX I wrote another letter to XXXX  to inquire why total balance of {$2000.00} is not refunded and they only sent a check of {$100.00}. Enclosed with the letter are store receipts on XX/XX/XXXX for loading the {$2000.00} fund to my XXXX cards. 

Having not heard back from XXXX  for a month, I called XXXX XXXX customer service for the second time on XX/XX/XXXX. Again, I was told that XXXX XXXX customer service agents could not handle this and the only way to communicate on the matter is by writing to XXXX. So I mailed another letter to XXXX on XX/XX/XXXX, requesting refunding the {$2000.00}. Enclosed with the letter are the receipts and the past correspondences. 

To this day I have not heard back from XXXX
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank takes {$15.00} out each month if your account goes under {$100.00}. In XXXX, I legitimately was low. In XXXX, I briefly went under {$100.00} for a few hours when they charged the maintenance fee. I corrected that. Now, XX/XX/2023 I went under again for a few hours because of what happened in XXXX. The ONLY reason for the low balances is from the maintenance fees the bank is charging each month. This is predatory. No customer should be charged a maintenance fee if the only reason they are low if because of a fee the bank itself has charged. 

I am told they do not charge a fee if the call is made the same day the fee posts. But the fee posts in the middle of the night. I check my accounts the first thing every morning. I am not given an opportunity to change it the day they charge it. That's predatory too. It should be based on 24 hours and not the physical date the fee was charged. 

We live paycheck to paycheck like many other people. That extra {$15.00} is very important to our budget. This predatory behavior is reminiscent of the settlement TD Bank had over predatory overdraft practices.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Olson Associates PC (UT)

XXXX XXXX keeps sending people to serve court papers on someone else. I have no trespassing signs due to livestock and have repeatedly told them to leave the property. One of them snuck into my yard and filmed me through the bedroom while I was in my nightgown to give me court papers that weren't addressed to me. XXXX XXXX was informed and continued his harassing conduct.
Consumer complaint received 2024-04-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-04-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (AZ)

My social security was lost during a data breach around XXXX. I filed federal reports and put a 7 year note at all three credit bureaus. I sometimes get fraud still from folks using my social and DOB in cases of identity theft. It happened again today- Experian is reporting that a new collection item popped up. I went to the Experian website to investigate and dispute, but I still can not access the site. Back in XXXX of XXXX I wrote a letter and painstakingly explained that someone using my DOB and SS had hijacked the site and had my Experian account ( which has my credit report and everything ) linked to someone else 's email and address. No one ever wrote me back and nothing was fixed. This time I went back to the website, could not get in because it is still linked to the fraudster 's email, and and with the automated voice on every single phone number on Experian, there is no way to get to a person to talk to them because I have to enter data that " does not match '' - because clearly the person who stole my identity changed all the data! It is now XXXX of XXXX and they still have not fixed the hijacking of my Experian account, and continued fraudulent acts of identity theft are happening and they are dinging my credit. HELP.
Consumer complaint received 2024-04-19
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) (CA)

Re : Dispute of Erroneous Entries Due to Identity Theft Dear Sir/Madam, I am writing to dispute several entries on my Chex Systems Consumer Report, which I believe to be the result of identity theft. After reviewing my report, I have identified the following erroneous entries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or authorize any of the transactions associated with these entries. Therefore, I am formally disputing their accuracy and authenticity. I believe that these entries are the result of fraudulent activity perpetrated by an individual or individuals who have unlawfully used my personal information. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have these inaccurate and fraudulent entries promptly removed from my consumer report. Section 605B of the FCRA specifically addresses the procedure for blocking information resulting from identity theft. Pursuant to this section, I am requesting that you investigate these disputed entries and take appropriate action to remove them from my consumer report within the timeframe specified by law. 

Enclosed with this letter are copies of documents supporting my claim of identity theft, including but not limited to police reports, affidavits, and any other relevant evidence. I hereby request that you conduct a thorough investigation into this matter and provide me with a written explanation of your findings and actions taken. 

Please note that failure to comply with the FCRA 's requirements may result in legal action being pursued against Chex Systems , Inc. I trust that you will handle this matter with the urgency and seriousness it warrants. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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 purpose.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXX/XX/XXXXXXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXXXX/XX/XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

per 26 cfr 301.6312-1 and irs publication 4681, a charge off is considered a certificate of indebtness and is considered income, and it is illegal to report income on a credit report. Income is not reportable and must be removed. 
the following accounts should be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please send me confirmation of deletions as soon as completed
Consumer complaint received 2024-07-26
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Snap Recovery, Inc. (NH)

Repeatedly texted me and opted out when I never opted in. Told them Im disputing this debt and said not to contact me and received confirmation I was opted out. Then proceeded to have another agent text me and harass me. Even sent me a picture of private medical records without even verifying it was me. Even after again yelling at them via text and that I was reporting them to the CFPB thru continued to text me. 
I have not received any written communication so I can properly dispute this debt.
Consumer complaint received 2024-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Commercial Services, Inc ()

They contacted me and then have been harassing now XXXX mother continuaoysly after i told them to atop. 
She gave them same info and told them to stop but they wont stop calling my mother, XXXX XXXX about my alleged debt They were also saying in a letter that they are going to suspend my driving privileges by contacting my state driver 's licensing company Department XXXX XXXX XXXX. If I dont pay another {$5000.00}
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (PA)

I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc. (MS)

On XX/XX/2022 I entered into an XXXX employment contract with XXXX XXXX XXXX XXXX XXXX be a mortgage advisor. My official start date was XX/XX/2022. I was paid a sign on bonus of $ XXXX and then was paid $ XXXX for the next 5 months ( approx. $ XXXX ). Any income above this amount I would receive additionally. I was hired on to XXXX XXXX with a former co worker who would serve as my manager as were a team of us that would cover the state of Mississippi and the other states we chose to be licensed in, for me I was licensed in MS , TN and AR. 
The mortgage business had begun to slow during this time as mortgage rates had started to increase and inventory was at all time lows. The team that I was hired on with beginning with the processors were let go by XXXX XXXX so they could cut back on the salaries employees. My manager resigned as did all of the other loan consultants in my immediate group because of the poor management and lack of compliance from XXXX XXXX. I was the only employee hired with this Mississippi group that was remaining and after 17mths I resigned my post. XXXX XXXX was required to have an office per NMLS rules 125 miles from where I conduct business, there were times they had me tied to the an office in XXXX and XXXX, XXXX which was not even close to where I work as I have worked out of my home in XXXX, XXXX XXXX starting with XXXX XXXX. I resigned out of fear of losing my license to originate mortgage loans due to compliance issues with XXXX XXXX and the constant change in processing and management. 
XXXX XXXX had been emailing me collection letters for me to pay back $ XXXX to which I obviously can not pay and at this point they have put a collection of $ XXXX on my credit report which has damaged my perfect credit rating as I have always paid my bills on time. To sum up my complaint, I worked hard for a company for XXXX trying to make ends meet in a tough work environment. I do not believe they lived up to the company they had told me they were and after falling a month short of completing my obligation for the 18mths, I know owe them $ XXXX and they have ruined my credit. 
Sincerely XXXX XXXX
Consumer complaint received 2024-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Wednesday XXXX XXXX XX/XX/XXXX and the XXXX or XXXX day of ..and the same I talked to the leader we applied they said that I have to many inquiries and another said dont have enough credit history then another one said need to get a mortgage try getting a hi interest credit card.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX CO XXXX Date Opened : XX/XX/2020 Balance : {$12000.00} I believe it was reporting in error, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
Consumer complaint received 2024-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I was very fortunate to have my loans XXXX from XXXX XXXX XXXX for my XXXX  at XXXX XXXX. However, XXXX XXXX is not paying my refund properly. 
Based on loans # XXXX and # XXXX, I asked for a breakdown accounting of my payments and for which schools and they will not give me the information. I paid XXXX since XXXX -although they sent a letter saying it was XXXX. However, they reimbursed me XXXX and said that was it and that the payments I made, went to my XXXX XXXX XXXX from XXXX years ago, not my more recent XXXX  Therefore, they are retaining the money that I paid which is an additional XXXX refund. 
My opinion is they are a very dishonorable company that are mishandling student funds.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

XXXX XXXX sent a ~ {$300.00} debt to FAMS. The debt was due to an error on XXXX part in billing my insurance. This is the third similar experience weve had since XXXX switched from XXXXXXXX XXXX XXXX. 
In this case I just decided to pay it to avoid the hassle of engaging my insurance company ( who I no longer have ). So the debt is paid to XXXX and no longer a valid debt. 
FAMS calls my phone XXXX times a day. When I answer, they hang up. I suspect its a robo-dial system and if no operator is available they disconnect. 
I am unable to stop FAMS from calling. Im unable to dispute the debt. I cant get them to answer the phone. Im beyond frustrated and really dont know what to do to make it stop.

Im attaching a call log. All of the calls from Georgia numbers are from FAMS auto dialer.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

PayPal permanently limited my account with the following message : " We're permanently limiting your account. 
You can no longer use PayPal as we've decided to permanently limit your account after a review. '' I called in on XX/XX/XXXX to ask why this happened. They would not tell me. I requested for my account to be deleted. They refused saying that my account has been limited. After complaints, they said that they would escalate and I would hear back in XXXX business days. I called back on XX/XX/XXXX and received the same responses. I've called back frequently since then, as recently as today. Calls end in the support agents hanging up after saying " there is no information I can provide to you. ''