davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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: TD BANK US HOLDING COMPANY (NJ)

TD Card Services continues to disregard my email with supporting documents even after I sent it to them XXXX times and after they had stated if I had any further concerns to email them " After review, the claim was denied. '' I demand a copy of TD Card Services so-called review and alleged information they relied on that affected their decision to deny my dispute, being I had faxed their office a clear copy of my bank statement from my other credit card account showing the same exact charge, from the same exact merchant, on the same exact day. ( Supporting document that I had faxed to them is attached to this complaint ). And if they try to say they never received my fax, I have proof that they did in fact receive it ( Also attached ). 

Additionally, TD Card Services never argued me stating that I had faxed their office a letter on XX/XX/23 and I never received a response. That is because they had no documentation to back up their claim that they did in fact respond, because they never did. 

Lastly, I am just now realizing there were XXXX claims attached to my dispute, which is an indication that someone mishandled my claim, which possibly screwed up the reason for it ( paid for by other means ), which could have played a role in why my dispute was even denied in the first place. Please see both letters from TD Card Services attached to this complaint, you will see there are XXXX completely different claim numbers assigned to the same dispute. Not to mention in the first letter under the first claim number, they stated they were 'lacking details as why customer is disputing the transaction ', even after I had told the agent over the phone why I was disputing, and also even after they received my fax with the reason and supporting document the day before they sent that letter.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX :
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (KY)

Nelnet 's website is saying that it does not have my information and is making me re-register with them. The call-service hours are incredibly inconvenient, and when I do call, the wait times are unreasonably long, making registering/re-registering impossible for me without having to take a day off of work to get it sorted out. The FSA website says that the loan is through them and I owe, but I feel like Nelnet are making it impossible and inconvenient to pay in order to scam people with late fees. I am late on my most recent payment ( I use to be able to pay through FSA website ) and might have to pay fees because I can't get a hold of anyone to help me actually get into my account. I have also stopped getting text notifications for upcoming due dates and paper statements for some reason, and just have no means to send in my payment.
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

ON XX/XX/2021 I SENT THE THREE CREDIT BUREAUS LETTERS TO EXPLAIN THEM THAT I I WAS A VICTIM OF IDENTITY THEFT AND I SENT THEM A LETTER WITH A FTC AFFADAVIT. THEY HAVE YET TO THIS DAY TO RESPOND.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I look at my credit report and notice XXXX ACCOUNT # XXXX WHICH SHOULD NOT BE ON MY CREDIT I HAVE NO CONTRACT WITH THIS COMPANY. I ALSO NOTICE INACCURATE DATA. ALL THREE CREDIT BUREAUS SHOULD REPORT THE SAME. 
XXXX FROM XXXX IS XXXX info Address XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX ADDRESS IS Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number
Consumer complaint received 2023-11-01
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 (FL)

On XXXX  my card had been fraudulently used without my permission. Someone has used both my personal card and business card for the same multiple transactions leading up to {$10000.00} in fraud claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have never done business with this merchant before. However, American Express says they have credited me back and throughly investigated my claims but provided no credits/documentation of contacting the merchant or anyone in this matter. They told me on the phone that they have came to a conclusion and my case has been closed. Going forward, after contacting American Express 's global fraud department ( Horrible customer service ) American Express says : My dispute claim has been closed, as their excuse was " We already investigated this claim. '' You see how misleading this is? How can they have investigated a claim but not contact the merchant or provide any sort of documentation or provide further details about this case? If anything, American Express is the real fraud. As a consumer, I shouldn't have to pay for something that I did not use/purchase. In my personal opinion, I think American Express does not want to credit me back for this amount since this is a large claim regardless of this being fraud. I understand that this is a business and they personally do not like to be liable for anything, but in this case this is just wrong. I would appreciate if the CFPB can investigate further into this matter as I believe American Express is held accountable for this incompetent behavior.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$7600.00} Status Open. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$20000.00} Status {$2600.00}. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX. 


Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation. 

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. 

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein.

Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports.

Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators.

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. 

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
Consumer complaint received 2023-09-25
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. (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 names/ Numbers : 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 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 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.

I didnt open these accounts!
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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. (FL)

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The items are listed below that need attention : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX  Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I asked Citibank to change from an AAdvantage card {$590.00} yearly fee to a {$99.00} yearly fee. 
They sent the {$99.00} yearly fee card and when I tried to do the activation it did not activate. 
Today I called to close the {$590.00} a year fee card they demanded a payment of {$540.00}. 
I have not made a purchase with this card in XXXX. 
Going into XXXX  the balance was XXXX dollars.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I Was working out at XXXX XXXX  on Monday XX/XX/XXXX, around XXXX, My phone was inside of my purse with my wallet and other personal Items Someone went inside of the locker room while I was working out and stole my phone, wallet, and all of my bank cards I had multiple unauthorized ATM transactions on my account In the amount of XXXX $ that was done on my Huntington account from XX/XX/XXXX up until XX/XX/XXXX. 

I did file a claim with my bank and the that reference number - XXXX
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (AZ)

On XX/XX/2024 a payoff check in the amount of {$4600.00} was mailed to Prosper. It took until XX/XX/2024 for them to acknowledge receipt of the payoff and apply it to the loan which resulted in an overpayment of {$360.00}. I have made multiple requests for the refund and was advised that I would receive it directly deposited into my account by XX/XX/2024. I spoke with them again today and they are now saying that it will take an additional 1-4 days for me to receive the refund. This is unacceptable.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (FL)

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The items are listed below that need attention : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX XXXXI Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (CA)

The US Bank XXXX XXXX chat feature leaks transaction amounts and descriptions to other people, representing a major privacy breach. As of XX/XX/2024, the XXXX XXXX XXXX  consistently displays transactions from other people 's accounts if asked to with prompts like " show me other people 's transactions. '' This works on either the mobile app or the bank 's website.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (AE)

The entire amount was immediately paid in full upon recognizing debt was owed ( XX/XX/year> for about XXXX dollars. ) When I asked beforehand if the account would be removed from my account if I paid, they refused to give me a direct answer.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I have been charged thousands of dollars in bank fees. The bank has held my deposit, charged me a fee and then posted my deposit. I want Wells Fargo to do away with overdraft fees the same as XXXX  XXXX XXXX and other financial institutions.
Consumer complaint received 2024-05-23
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 (TX)

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is CAPITAL ONE AUTO FIN Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Consumer complaint received 2023-03-05
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: Credit Card Receivables Fund Incorporated (TX)

These items do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

on XX/XX/year> Sofi Bank , National Association closed my bank account. after weeks of devastation of financial hardship, ive gotten nowhere with the bank on the release of my funds. They are now telling me that " I am not entitled to the funds '' and they will be released back to the originator. I just want them to do that so the originator ( who is aware of the situation ) can remit the funds to me another way. I worked for the money and only receive XXXX deposits before they restricted my account. I only had the account for 31 days when this has been done.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting a inaccurate credit inquiries on my credit report. The first is from XXXX XXXX on XX/XX/2023. The second is from XXXX  XXXX XXXX on XX/XX/2023. The third is from XXXX XXXX on XX/XX/2023 This is incorrect and TRANSUNION has already agreed to remove these from my credit report. I spoke with XXXX from TRANSUNION via the phone on XXXX XXXX and was told these would be removed. They are still reporting on my credit report. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inquires resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction or permission to furnish these inaccurate inquiries on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.