davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (DC)

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. 

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 2015-10-07
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: TRANSWORLD SYSTEMS INC (NY)

University Accounting Service, LLC ( " UAS '' XXXX XXXX https : //www.uaservice.com/ ) is a student loan servicer. They service my XXXX Loans from the University XXXX XXXX XXXX. 

UAS brings up the same screen every time I log into my online account. The screen gives a statement in legal jargon. Then there are two choices : " I agree with this statement '' or " I do not agree with this statement. " The default is " I agree with this statement. " The statement effectively amounts to a waiver of an important consumer protection right -- the right to have correspondence with debt collectors in writing. 

There are two problems. First, the method of asking this question in itself is an abusive act and practice under the meaning of XXXX XXXX XXXX. Second, the fact that UAS asks me the same question every time I log in is a harassing tactic. 

This is an abusive act or practice under XXXX XXXX XXXX in the sense that it takes unreasonable advantage of consumer misunderstanding. The statement is provided in a way to trick consumers into agreeing to the waiver. It utilizes consumer inertia by making the default that they agree. It also utilizes consumer misunderstanding, because most people are used to mindlessly clicking I agree for online legalese and fine print such as for the changes in XXXX terms and conditions that occur every other week. By repeatedly asking the question and making consumers answer more than once, the strategy clearly intends to prey on inattentive consumers who accidentally make a mistake once. 

This is also a tactic designed to harass me into accepting a waiver of my consumer protection rights related to debt collection. Once I answer that I do not agree with the statement, UAS should never ask me again. Not only do they continue to ask me, but they also give me no option to tell them to stop asking me.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

Hello when I had a Wells Fargo account I was hit with a lot of fees and when I tried to Het some of them dismissed Wells Fargo was not accommodating I ended up leaving and going to chase. Ive since found out about the class action lawsuit and believe Im eligible to be reimbursed some of these fees.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX acct # XXXX was opened up in XXXX and still appearing on my consumer report. It has been 9 years since first appeared. 

The first date of delinquency was also in XXXX. XXXX made 7 years since the first date of delinquency. All the consumer reports are hiding and not showing any activity in XXXX or XXXX because if they did, they would see that the first date of delinquency was XXXX instead of showing the first date of delinquency inaccurately reporting XX/XX/XXXX. 

I want this account removed from Consumer reports as I have requested for the past 2 years
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (VA)

I am writing this letter to formally dispute the following with American Express : 1. Statements that are very confusing and nearly impossible for consumers to understand. Particularly those individuals who have balances that have been transferred to the pay overtime section of their bill. 
2. Recent transactions that were charged to my account by American Express, initially as credit ( adjustments ) then as debits. 
I was given the option to pay balances over time by American Express with a credit limit of XXXX. However, I noticed several adjustments on my account in the amounts of XXXX, XXXX and XXXX. When asked on two occasions how these amounts were arrived at, American Express has yet to produce any evidence regarding how the amounts were derived. 
Also, when I manually added up all of my charges and all of my payments ( not taking into account interest ), the aggregate total reflected was less than the amount that appeared on my XX/XX/XXXX statement. 
Please see letters sent to American Express along with corresponding statements. 
If you can investigate this matter, I would appreciate it immensely. 
Thank you for your time and consideration and for your commitment to ensuring that consumers are treated fairly and not unjustly taken advantage of. That means more than words can express. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-03
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. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MI)

Background : I opened my checking account with US Bank ( XXXX XXXX branch ) in XXXX in the summer. Since then I've been depositing my 1099 income into it and I used that account for only that purpose. The fund is sent by XXXX ( a common payment company used by enterprises ) and the amount is sent every two weeks, consistently, with a traceable payer. So in short, there is only one income source for this checking account and the payer is verified and traceable. In addition to the checking account, I also have two credit cards with US Bank. 

However, in XX/XX/XXXX, US Bank suddenly closed my account without any explanation. I contacted bank via the customer service line multiple times, and was informed that there were " suspicious activities '' in my account. I explained to them the source of funds but no one could help me to resolve the issue. 

This is not the worse part. What is truly horrible is that US Bank then disabled my online login and does not allow me to re-enable it or create a new one. I tried to do this both online or via the customer support line, and I was informed that, from now on, I won't be able to use the online banking services anymore. How can I pay my credit cards? Will they be responsible if there are late fees or credit card interests incurred? 

I was trying to give my best respect to their decisions with the checking account. But not allowing me to use any online systems -- even if I try to be a responsible person and pay for my credit cards -- is just pure disrespecting its customers. I demand a response from the US Bank and fix the issues before any financial damaged are done to any further.
Consumer complaint received 2022-11-20
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. (CA)

recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalided and questionable items on my report the the agency didnt make sure was 100 % correct. 

in accordance with the FCRA everything has to be 100 % accurate on my report and under the US code 1681e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting accurate information.
Consumer complaint received 2015-10-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates , LLC, have called me, sent me correspondence, I explain my financial situation. My parents called to inform me that the company called them, how the company got my parents number I do n't know, I called them company and asked them to remove my parents number from their list. But I 'm beyond upset when my XXXX year old son, told me he received a call from XXXX XXXX hounding him. This is my debt, not my parents or children this harassment need to stop
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TN)

Asset Acceptance is a fraudulent company that has bought consumer information and falsely reports incorrect information to the credit bureaus. The number listed is for Midland Funding. When calling the number listed, Midland Funding states that they have bought Asset Acceptance and they do n't show an account matching my social and name. Asset Acceptance has several numbers that goes to a voicemail and ask you to leave a message. The one time I did reach a live person, they said the computers are down. They do n't have a physical address only a PO Box . I have NEVER received any correspondence via mail. The only contact has always been reporting on my credit and my efforts to track this company down. This company is a nightmare. I need to get this resolved and removed off my credit.
Consumer complaint received 2023-07-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (GA)

Personal home on a VA mortgage went under contract on XXXX XX/XX/2023. VA loan assumption application was filled out and mailed to Freedom mortgage on XXXX XX/XX/2023. Loan application was received and loan application processor reached out in early XXXX. Phone meeting was setup to review required documents and documents were mailed via postage as required by Freedom mortgage within 2 days. Documents were verified received by postal service. Freedom lost buyers ' documents with identifiable information resulting in a stolen identity issue that was necessitated extra work. In XXXX, loan assumption application was finally approved and assigned to another processor. XXXX stated that he was overloaded with assumption applications. The process of getting to underwriting took over a month. In XXXX, the assumption package was finally submitted and after several weeks was returned and required a second contract extension. Underwriting required that contact terms be changed regarding land purchase for cash as part of the contract in order to make the assumption go through. After making the requested changes, the inundated loan processor missed or avoided several voicemails and emails regarding title work as well as several inquiries from both buyer and seller regarding the timeline for completion. After several iterations of submitting work to title and having it sit idly for several weeks, requiring more contract extensions, I requested to speak with a manager. It took weeks just to get a manager to respond. When the Freedom Mortgage phone is called an operator answers but has no extension or transfer to a loan assumption department. Additionally, throughout the process, I received dozens of calls and letters asking me to refinance my loan which seemed both out of touch, distracted from the assumption, and offered no hope of progress. Finally, after nearly threatening to call continuously until progress was made, I received a call from the loan assumptions manager. She was apologetic and completely unaware of our extended timeline for the assumption. Additionally she offered to put a rush on our assumption package and later that day, we received the cleared to close. This process with Freedom mortgage was disjointed, far from seamless, antiquated, a security risk, stovepiped, negligent, criminally slow, and seemed intentionally so. I relaize an assumption offers little to no benefits for Freedom over a new loan but there is an obligation for VA loans and to the consumer. This I feel strongly is where they failed in their negligent execution of the entire process. This resulted in significant delays, multiple expenses, additional mortgage payments, and delay in executing a military PCS move for a family on orders.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
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. (PA)

hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

THIS COMPLAINT IS ABOUT VERIFYING THE PAYEE OF CHECK CHASE BANK PAID OUT. Chase Bank is being very evasive. We have already discussed the issue of whose name was written on the front of the check. THAT IS ALREADY A MOOT POINT. Chase keeps AVOIDING THE MAIN ISSUE WHICH IS WHO CASHED THE CHECK. After several months, and complaints, they now say it was cashed at XXXX and not at Chase Bank. There are XXXX XXXX, and XXXX accounts. How does Chase Bank which has a fiduciary duty to its customers, expect them to resolve these types of fraudulent issues, if they do n't verify payees. If the person took the check to XXXX, where is the XXXX account number on the check. How does Chase know it was XXXX? What is the address of the bank? How was the person verified? Stop blaming the customer for your failure to VERIFY THE PAYEE. Please provide FULL INFORMATION about who cashed the check. How does Chase know that the person whose name on the front is the signer on the back. Chase has NO VERIFICATION of who cashed the check! If people can take Chase checks to any bank without being verified, they Chase is contributing to negligence and fraud. Chase is taking the position that they do not care who cashed their customers ' check by not verifying payee. In other words, it does n't matter who the check is payable to, Chase Bank does not have a way of VERIFYING who cashed the check. If someone walked into Chase Bank with a XXXX check, does Chase check ID or verify the person or do they let anyone cash a check? Chase needs to provide PROOF of person who cashed the check, and credit my funds for {$2800.00} if you ca n't do so. It is evident that they have not even contacted XXXX, to inform them of the fraud.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NY)

I opened a checking account called " Loyalty Checking '' at XXXX XXXX on XX/XX/2022. I sent {$2500.00} from my other account at XXXX XXXX on XX/XX/2022. As of morning of XX/XX/2022, I had no issue accessing my new account at XXXX XXXX, and this {$2500.00} from XXXX was showing as pending at XXXX XXXX. However, on XX/XX/2022, this amount stopped showing at XXXX XXXX. I called customer service at XXXX XXXX and was told that this transfer from XXXX was rejected by XXXX XXXX, and will be returned to XXXX in 5-7 business days. This alone didn't make sense, but it only got worse when XXXX XXXX all of a sudden restricted my account the next day, on XX/XX/2022. Since then I haven't been able to even log onto my XXXX XXXX account. I called customer service again multiple times to ask what was going on, but XXXX XXXX only told me that their back office was looking into something, without telling me what exactly they are looking for or looking at, and they would get back to me via both mail and email in 5-7 days. As of XX/XX/XXXX, I still have not heard back from XXXX XXXX on ANYTHING and still can not access my account. Moreover- the worst part is that this {$2500.00} that I transferred from XXXX to XXXX XXXX on XX/XX/2022 is completely XXXX.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CO)

This issue is related to my Costco Citibank Visa credit card. 
Events : XX/XX/XXXX : Completed a {$25000.00} balance transfer from XXXX XXXX XXXX XXXX card to Citibank XX/XX/XXXX : Charged {$25000.00} for payment to IRS for income tax XX/XX/XXXX : Citibank charged my card {$25000.00} with transaction " REV PYMT POSTED IN ERROR '' and added it to my bill. However the balance transfer was not actually reversed - there was no credit sent back to XXXX XXXX. 
XXXX : Citibank took money from my bank account to pay for the full amount of the outstanding balance, repeatedly overdrawing it until I got a high interest personal loan to cover the payment XXXX : Have made 5 long calls to citibank customer service to get the issue resolved. Some customer service reps say to wait and see if it gets adjusted, some say there's nothing they can do, one said to physically send in my XXXX XXXX credit card statement showing the transfer ( which we did to no avail. ) Citibank customer service does not know why the payment was reversed ( and kept by citibank ), and says they have no way to get in touch with the department that initiates these transactions. I'm at a loss how to get them to return or locate my {$25000.00}
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (DE)

Vance & Huffman LLC is a company on my credit report in which I have no knowledge of. I didnt receive any debt validation information, or any correspondence from them. This company has violated my consumer rights. The amount being reported isnt accurate Ive never had any accounts with a balance as such. I disputed this and it was removed. But once again reported. I want this addressed asap and this company is to remove this off my report asap.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NV)

I am a former XXXX customer. I am just trying to get this false report off of my credit. According to this fraud of a collections agency, Receivables Performance Management, XXXX sent my mobile account into collections in XXXX. However, I received bills from XXXX, including continuing charges up until XXXX. My final bill was due at the end of XXXX. I was on a payment arrangement with XXXX and the account was paid in full in XXXX ( including several payments before the payoff date ). I have several recent audio recordings of XXXX finance confirming that they never sent the mobile account to Receivables Performance Management and that the account has been paid in full and closed. I never dealt with this collection agency ; all payments were made to XXXX. XXXX will not remove negative report unless XXXX sends a letter confirming what they told me. Spent hours on the phone and XXXX will not send any letters condemning this fraud on my report. I want XXXX and Receivables Performance Management to take responsibility in getting this negative report removed.
Consumer complaint received 2023-09-05
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-07-20
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. (NC)

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.