davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I received a direct deposit on Friday XX/XX/XXXX and the company froze my account because somebody tried to process a transaction in XXXX XXXX XXXX  which I live in XXXX XXXX  the agent from the XXXX department explained to me that he could not release any funds because of the fraud but that it was not going to go through because it was still pending and I had to purchase another card which received that XXXX I believe which was the second of XXXX this gentleman advised me more than once that my full amount would be there and it was not now they are trying to tell me that there's an investigation going on with that transaction and I can not get any of my funds that's {$300.00} I went the whole weekend including XXXX XXXX  without any funds when I have a XXXX XXXX XXXX that I need to provide for they also made me submit the dispute in writing and still have not provided me my {$300.00} that I desperately need.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with 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 XXXX  XXXX XXXX XXXX Account name - XXXX XXXX XXXX MD XXXX XXXX Account name - 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 make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (MD)

CAINE & WEINER {$930.00} past due as of XXXX XXXX. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V.Gravens ( MO ) 281 SW 715.719.

I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist pursuant to 18 USC 8, L owe no debt.

This company is violating my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814
Consumer complaint received 2023-05-16
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. (TX)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (RI)

I should qualify for the Public Service Loan Forgiveness program but I do not because Navient ( then XXXX ) only gave me the option of consolidating my loan as a FFELP consolidation, which does not qualify for the PSLF program. That was in 2008. Two years later, I contacted XXXX to inquire about re-consolidating my loans and was told that re-consolidation was not possible. Apparently, that was false since I could have consolidated under Direct Consolidation, which would have qualified me for the PSLF program. After reading articles in the XXXX and stories by other borrowers posted on the CFPB website, I now suspect that Navient coerced borrowers into consolidations that they knew did not qualify for loan forgiveness programs as a way of extending the life of their loan portfolio and continuing to collect interest on those loans beyond the 120 payments required for the PSLF program. I ask that CFPB investigate whether Navient did this, and if so that CFPB add this complaint to their recently filed lawsuit against Navient.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

On XXXX XXXX XXXX my account was hacked due to a scam, I do not provide any information to give them access to my account except my card number. My account were closed. Bank say I owe the XXXX I have money in the other accounts they closed which they are holding and said I cant use to pay. They will not work with me, have bullied, threatened and accused me, belittled me and made me feel worthless. When I call to make a payment towards what they said I owe the, the could not give me a way to send payments to them and make sure they would be applied to the correct account. They have threatened that I have have 60 days well now 45 days to pay this or they will put me on some list and no bank will do business with me this is a bank I have been with for 23 years, and supposedly is there to help military veterans and their families, and they have made my life. Living XXXX for the last XXXX weeks.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (NY)

I have been disputing a certain account for several months now, yet have not received anything concrete to prove my case and keep it from being registered on my credit file. This is a clear violation of my rights. It appears that the credit bureaus have not conducted a thorough investigation of my disputes. I have included my dispute letters enclosing Metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act. Despite this, the accounts are simply coming back as verified without any proof of due diligence being done. This is highly concerning and unacceptable. 

The CFPB is the only hope of providing some justice to this situation, as the credit bureaus have been exploiting consumers rights for too long. I am submitting a complaint to the CFPB today, hoping that they will offer meaningful answers and have my best interests in mind.
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

REFERENCE TO PREVIOUS REPORT # XXXX - EQUIFAX DID NOT FOLLOW THE LAW AND DID NOT PERFORM A THOROUGH INVESTIGATION. XXXX XXXX WAS NOTIFIED BY ME IN WRITING ( DOCUMENT ALREADY PROVIDED AS PROOF ), A REP FROM XXXX, WITHOUT MY AUTHORIZATION, CHANGED MY ACCOUNT DETAILS, RESULTING IN A LARGE CHARGE, CONSISTS OF FEES THAT WERE NOT DISCLOSED AND PLACING ME ON A PLAN I DID NOT AUTHORIZE. XXXX HAS RECORDINGS OF ALL MY CONVERSATIONS, INCLUDING A COUPLE WHERE YOU CAN HEAR ME ACCUSE XXXX. THE REP AT XXXX I HAVE BEEN COMMUNICATING WITH CLEARLY IS INVOLVED IN A COVER-UP. XXXX, MISLEAD ME AND CAUSED CHARGES THAT RESULTED IN XXXX OF DOLLARS. I AM SURE THERE ARE MANY CUSTOMERS WHO HAVE EXPERIENCES THE " SCAM ''. 

WHERE IS CFPD? I THOUGHT YOU ASSIST WITH COMPLAINTS LIKE THIS.
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CO)

I reported a " debt '' as fraudulent to American Coriadius International LLC ( ACI ). Whoever incurred this debt initially with XXXX didn't know how to spell my name correctly and used an email address that didn't belong to me. The amount was for {$940.00}. 

After investigating, they should have realized that this debt was not legally mine and dropped it. They never contacted me again. Instead of writing this off as fraud ( or whatever companies do when they deal with fraud and theft ), they sold this " debt '' to another collection agency to harass me more. They did this either with the knowledge that this debt was fraudulent or without following up on my report that it was fraudulent.
Consumer complaint received 2022-10-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

My bloomingdales closed my account after I mad the payment and the account was still open, and now there saying that I have balance thats due. This is not correct because I made full payment and brought the account to a zero balance. I have spoken with them and they still arent trying to assist me but instead keep refering me to the collections agency thats now handling the bill, my account should not be in collection agency status because it shouldnt have a balance due ... ..
Consumer complaint received 2023-02-02
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CO)

Disputed charge on XX/XX/22 in the amount of {$210.00} several times. Vendor misrepresented dimensions and overcharged for the item. 

The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. 

A large amount of evidence including a returned package tracking number was provided on multiple occasions.
Consumer complaint received 2023-02-02
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. (CO)

I reporter the identity fraud to the XXXX police on XX/XX/2016, that my Identification Card and my social security card was stolen. I reported this via the Submit a Report section of their website. I also reported my identy theft to the FTC website.
Consumer complaint received 2023-02-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Monterey Financial Services LLC (FL)

On line purchase from   XXXX   XXXX   purchase  XXXX / 17  Charge to my   XXXX   XXXX   {$63.00} This amount included {$19.00} for  30 tr ial  P & H cha rge of {$29.00} tax {$13.00} The cancellation for the item was placed on the   XXXX /17    XXXX   XXXX   received their product back at the  XXXX  GA  location   XXXX /2017    XXXX   XXXX  I was billed twice to my checking account    XXXX /2017   and again  X/X/  2017  in the amount of  XXXX . I have spoken to   XXXX   XXXX   and their finance    Company Monterey Finanical over a ( 2 ) month time frame without resolve.      Illegally charged without my written express permission.
Consumer complaint received 2023-02-14
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX 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 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 XXXX0}.
Consumer complaint received 2017-04-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Global Credit & Collection Corporation (NC)

Since XX/XX/2016, I have received XXXX calls from ( XXXX ) XXXX. When I answer, an automated message says, " This is Global Collection Corp. This is an attempt to collect a debt. Please call us at XXXX. '' I do not know who they are calling for. No name is ever mentioned. I have never received anything in writing from this collector, or any one of my creditors, that a debt is owing. Because they do not identify who they are calling for, I will not hang up and dial this number back.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received a notice that a charge of {$550.00} had been made to my XXXX account, which I did not make, so I called XXXX and was told they would refund the charge immediately. They took the notification reference and proceeded to take action and transferred me to the refund department. The guy they ask to be allowed to refund the money directly to my bank account. During the refund process, the person said he made a mistake and refunded too much, and I needed to transfer that money back to XXXX. My checking account immediately showed the overpayment on the screen, and since I was in my bank account, my account showed an increase in the overpayment on the screen. The balance on the screen, which I thought was in my actual account, had doubled, showing an increase of {$14000.00}. I sincerely thought the money was in my account because of the screen shot which I wasn't aware of at the time. So, I was asked to wire the XXXX back to XXXX, so I did, thinking I needed to give back the overpayment. 
I was instructed to send the wire transfer to an account in the same bank, so I did, thinking it was legit. 
I filed a claim with Bank of America, but after 60 days of investigation, Bank of America denied my claim, stating that I was at fault and had authorized the payment. So they denied my claim and closed it. Unfortunately, I lost {$14000.00}, which the bank considered. I gave my money to a scammer. The scammer downloaded an application on my desktop so they could see when I was in my bank account. I put a hold on my account for the 60 days they supposedly investigated the scam. The scammer blocked the correspondence I received in my email from the bank on the day of the scam. I didn't receive any message from the bank until several days later, during a search on XXXX I found an email stating they had added the scammer had been added to my list of payees. 
I don't know who this guy. I had never wired money to anyone before this happened.
Consumer complaint received 2023-02-02
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. (MI)

According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX  XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX remove incorrect addresses XXXX XXXX XXXX XXXX, Ohio XXXX. XXXX XXXX XXXX XXXX XXXX to me XX/XX/XXXX, XXXX According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX 1987
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NC)

Experian is reporting information on my report that has passed the 7 year mark. According to the statute of limitation the information is inaccurate. XXXX -student loan acct # XXXX Date opened XX/XX/1999. This should not be on my file.
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (NJ)

I am writing this on XXXX to dispute the following information on my credit reports ( XXXX, XXXX, and equifax ) : Inquiry from XXXX XXXX  on XXXX I never authorized this inquiry and am a victim of identity theft. Derogatory mark Charge-off on XXXX XXXXXXXX XXXX XXXX I am a victim of identity theft and disputed the account months ago regarding unauthorized activity. Since then, the account had been paid off and the mark needs to be removed. Please investigate this matters urgently and delete them from my report.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (PA)

I have included the files with pictures of the text messages. I received texts from 3 different numbers about contacting MRS BPO about a XXXX XXXX matter. Today I received a more detailed message about the amount I owed and how to reduce that rate. The website looked legit but the phone number did not match the number I was given by the MRS BPO agency. I called XXXX  XXXX and they confirmed there was no other account under my name and not to click the link in the text. I had already clicked it. And tried to log in with my birthday and last 4 of social. Which I realize was a mistake. I only ever got notified over text. I have also been receiving a lot of scam phone calls from the D.C area so not sure if that is related. I tried to call MRS BPO agency XXXX which I was told is their XXXX XXXX line and was unable to get through. I do not have an account number or email/letter with that information and therefore believe it to be a scam. I have been badgered with texts daily or weekly over the last 2 months. The number listed on the text to call was XXXX. This number has the same audio recording of a women saying you could use your tax refund to pay your debt. But it just kept repeating over and over. The actually MRS BPO agency had music that played in between the audio recorded message.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CA)

I went to make a charge on my credit card in XXXX CA from my Chase credit card which I had ample credit and an excellent credit score and it was denied. I pay {$95.00} per year to use the card and they denied it. They later informed me it was denied because it was not my regular spending pattern. I was embarrassed in front of my colleagues and used \ another card. Chase is charging me for a card I ca n't use because I made a a large purchase???
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.