davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear XXXX XXXX XXXX, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of XXXX with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that XXXX respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report.

2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,
Consumer complaint received 2024-05-22
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. (MA)

I received a credit rejection letter from Chase Bank ( XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) claiming that I applied for credit on XX/XX/2024. I did not apply for credit, and called on XX/XX/2024. I was routed to a XXXX who said he could not locate any record on their end and that I would have to fax a copy of my credit report showing the hard inquiry before they could help me. I got a copy of my credit report, but did not have handy access to a fax machine. 
XX/XX/2024 I received an alert from XXXX that there was another hard inquiry on my account. And again, it is JPMCB CARD SERVICES who reviewed my credit. And again, I did not apply for credit. 

I request your assistance resolving these improper hard inquiries.
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

The Southwest Credit Systems Company is reporting the amount of {$220.00} on XX/XX/XXXX was bought to collections, in which the original creditor XXXX. This has been an ongoing issue since XX/XX/XXXX, for 5 years, I would like to get this issue resolved once and for all. At this moment I feel like I am being harassed by Southwest Credit Systems. 

According to : 15 U.S. Code 1681s-2- Responsibilities of furnishes of information to consumer reporting agencies a. Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition A. Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation, a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something I ask of you to have THIS ACCOUNT DELETED FROM MY CONSUMER REPORTS within 10 Calendar Days! Thank You!
Consumer complaint received 2024-01-12
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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently pulled a copy of my credit report in XXXX and notice 2 accounts I have knowledge of or affiliation with. Those 2 creditors are XXXX  and XXXX XXXX. In XXXX  my information was compromised by my tax preparer as the company was relocation. I was advised files were missing that included my personal information. I reached out to the CRAs ( XXXX, Equifax, XXXX ) to have my profile temporary frozen. In XXXX I contacted the CRAs again to report the 2 fraudulent accounts I've never applied for, requested verification and for them to be removed. I checked again XXXX and accounts are still being reported. Reporting accounts due to identity theft violates 15 USC 1681 c-2. I also noticed someone attempting to access lines of credit because I now have credit inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have not authorized these transactions nor given any written consent for this information to be furnished to my report, which is in violation of 15 USC 1681B I am also requesting that my address is updated and also previous addresses not affiliated with are removed
Consumer complaint received 2024-01-02
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 (NY)

On XX/XX/XXXX I was charged {$380.00} for three doctor 's appointments by XXXX XXXX XXXX. I reported that this entire charge is void because one of the appointments did not actually take place ( XX/XX/XXXX ) and the other two were paid for by my insurance. The merchant had fraudulently charged me for one appointment, and double-charged me for two others despite my insurance ( XXXX ) paying them. Even though I showed proof of of my insurance paying for the charges, American Express refuses to credit my account for the dispute amount of {$380.00}. The credit card 's dispute reason for this charge is incorrect, since the appointment or the services from this merchant were not received. I have provided proof of the insurance paying for the other XXXX charges, and a copy from the insurance rejecting the claim for an appointment the merchant fraudulently claimed ( XX/XX/XXXX ). Thus, the {$380.00} should be credited back to this user 's credit card account.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MD)

I believe myEquifax is unregulated discriminating w/points a risk on my XXXX score. I don't understand paying $ monthly fee to safely monitor and protect my credit report from fraud and they unlock my credit account so 3rd party company 's XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX perhaps others to hack. How I know this is because I would login monitored found my account unlocked and not frozen at times. Equifax has a few negative inacurrate comments like cash rewards revolving a balance, negative soft reports I've disputed these facts already. My mortgage has been in good standing there are no delinquencies late payments or delay payments etc. I've blocked notifications via email received from XXXX XXXX XXXX. Recently on XXXX XXXX, 2023 an email came from XXXX XXXX an insurance representative asking me to accept a quote. The problem is I have never contacted them nor do I wish to be in any business relationships with XXXX XXXX or any other insurance company. I sent a written message and phoned XXXX XXXX XXXX XXXX and complained not to solicit my name for investors. And to take my name off the list they acknowledged it could take 90 days for my name not too appear.
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (MO)

I took out a loan with Opp LoansXXXX XXXX at XXXX XXXX only to discover the state of XXXX XXXX XXXXXXXX I lived when I took this loan out ) has a maximum % cap, I think around XXXX XXXX I feel this company is fraudulent as they were taking XXXX  out every XXXX weeks to pay back a XXXX loan... this was a loan for XXXX months. I need help paying this loan as it's an obscenely high % rate and I am struggling. What are my rights? Who can help me resolve this. I know there have been complaints with them, class actions. I need help desperately and to get this resolved ASAP. Can you please help me?
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

On XX/XX/XXXX, I contacted Nelnet to request that my payment date be moved from the XXXX of each month to the XXXX of each month beginning XX/XX/XXXX. I requested confirmation that my account would not be charged twice in XXXX by autodraft as a double draft in XXXX was not authorized. I was assured multiple times that I would only be charged once in XXXX on the XXXX. My account was debited by autopayment which posted to my bank account on XX/XX/XXXX. Although the payment was not authorized, I received a billing statement for XXXX ( by email on Saturday XX/XX/XXXX ) indicating that a payment was due and would be debited on XX/XX/XXXX. On XX/XX/XXXX, my account was debited a second time. Both debits covered an entire monthly payment in the amount of {$960.00}. I contacted Nelnet to reverse the unauthorized transfer and was told I would need to contact my bank to reverse the payment. I contacted my bank and was told Nelnet would need to reverse the payment on their end, but I initiated a claim for the unauthorized payment with my banking institution. I contacted Nelnet again and was told that nothing could be done and a refund would not be available as a remedy for at least 20 days, although the agent admitted that the second payment was not authorized. The servicer has essentially stated that it is entitled to hold onto a significant amount of money that it obtained without authorization and that I am without remedy or access to those funds for at least 20 days.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (CA)

In accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account nameS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AMSHER COLLECTION SERVICES I looked at my XXXX credit report on XXXX XXXX 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NY)

I request a dispute with Cash App they denied it I report it on app and only send me a email of denial I submitted XXXX dispute due to my XXXX XXXX reverse the credit of XXXX. Cash app didn't look into it I told them I didn't authorized this transaction and my money was put to XXXX and cashapp doesn't want to refund and my bank took the XXXX back
Consumer complaint received 2024-05-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I was trying to buy tickets for an event in XX/XX/year>. 
During my online search for tickets, I mistakenly ended up on XXXX. 
The website 's layout and presentation made it seem like they were the official ticket seller for the venue. 

I purchased tickets through XXXX, but unfortunately, they were not valid for entry to the event at XXXX XXXX XXXX, XXXX, Colorado. 

Unfortunately, the tickets I purchased through XXXX were unusable for entry to the event. This appears to be a recurring issue, as hundreds of similar complaints exist on the XXXX XXXX XXXX XXXX XXXX  ) regarding XXXX 's deceptive practices. 

I contacted my bank, USAA, to dispute the charge. I provided detailed documentation ( screenshots, emails, etc. ) highlighting XXXX 's misleading tactics and the unusable tickets. 

Disappointingly, USAA mishandled my dispute. According to a USAA representative, they received my documents but failed to review them. They repeatedly requested the same documentation I had already submitted and provided a general customer service number with no extension when I attempted to reach the representative who handled my case.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I've submitted disputes regarding XXXX XXXX XXXX reporting 30 day past due and late on my credit reports and a member of XXXX called to confirm there was a mistake on their end and that the adverse reporting would be fixed, however, upon checking my credit on XXXX Equifax and XXXX, I am seeing only 1 bureau has updated my payment rating and removed the late payment and that all bureaus have not raised my scores to its respective states before this adverse action was mistakenly taken by XXXX XXXX XXXX. 

In the month of XX/XX/ I sent a Billing Error Notice to XXXX XXXX XXXX : Under Regulation Z 1026.13 Billing error resolution. 

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date Hence, the payment was withheld until my issue was resolved, the issue has still not been resolved but I opted to pay the full balance and yet it was still reported that I was past due. When I attempted to re-dispute this information with the bureaus, I am only seeing that the dispute was complete but no significant raise to my credit score has been provided and no removal of the past due status in the month of XXXX has been removed. This is a direct violation of my consumer rights.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Hello, I am writing this letter to have the following information deleted off of my file.I am a victim of identity theft. I ask the items be delete and my credit report to be updated correctly. 
Ive reported the theft to the federal trade commission 's identity theft affidavit. 
Please resolve the problem asap.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC (VA)

Update on XX/XX/2023 with Glasser and Glasser PLC. They sent a dismissal of a garnishment with XXXX XXXXXXXX XXXXXXXX without the required judges signature through US mail and fax. XXXX XXXX XXXX will not remove the garnishment for this reason. 

Glasser and Glasser PLC is retaliating against me and delaying access to my bank account funds. Glasser and Glasser PLC also told a court in XXXX, Virginia that I was provided notice of the debt and hearing, when I was not. This violates my constitutional due process rights.
Consumer complaint received 2024-01-12
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. (GA)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

ACCOUNT LIMITED TO WITHDRAWAL AMOUNT OF ONLY XXXX INSTEAD OF XXXX WITHIN 24 HOURS IT HAS BEEN MORE THAN A YEAR REPORTED IT TO BANCO POPULAR OVER THE PHONE AND AT A BRANCH SITUATION PERSISTS
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NJ)

My account surg Marcus by Goldman Saks has been locked for over 10 days for no apparent reason. No information is disclosed to me. My daily calls do not result in any resolution to the problem. I have to have access to my money asap.