davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (CA)

XXXX  I was in a XXXX XXXX but my car insurance should have covered all my medicals expenses. But I'm getting send to collection for XXXX that should have been covered buy my insurance which is XXXX. they even had the wrong address I don't live there any more
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (NV)

I called I.Q Data International to settle a debt because we are trying to move to a new location! The man that answered the phone was immediately monotone which is fine i figured I'd be able to get somewhere by being friendly and getting an agreement made! He immediately told me in his exact words " Well you'd have to pay the XXXX in full for us to pay to delete ' '' I said okay well unfortunately we don't have that amount since we are currently trying to move! The reason we couldn't pay before was due to moving. He then said I had an obligation to pay because I hadn't paid my bills before and I won't be able to move if I gave them the amount now. He said I wouldn't be able to move unless I paid them the amount in full! I said I received a a settlement offer in my email and it was listed on the website when I made an account! He said in a very rude way " Well was there an amount '' I said yes there was and he asked me how much was the offer I told him 50 % he said well I have to approve you for it it says up to which it did not state such a thing because when I log in it says I can make a payment for the 50 % settlement offer. He then says well I have to see if you qualify so I gave him basic info no real numbers and he says he can only offer 30 %. So I say well the website gives me 50 % of right now to pay so I'm confused! I asked why was he being so rude and hostile he then told me I was argumentative, I said all I was trying to do was pay this and you're being rude to me. He then started raising his voice saying well I'm trying to talk and if you want to believe what's on the website then that's up to you but I know what you need to pay he continued yelling but at that point, I tuned him out and hung up! So I went on the website to set up a payment date and it wouldn't work it took a dollar from me 5 times but nothing would go through so I refreshed the page and low and behold he had taken the settlement completely away and all I did was go based off what I was offered! Before this, I did get in contact with the original creditor which is XXXX XXXX XXXX XXXX  and they refuse to take the money and say I have to go through the collection agency now! I've done my research and know for a fact they can take it back and I know collections agencies pay pennies on the dollar and try to push for the most but will take whatever you can provide!
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (IL)

To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. 

I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Consumer complaint received 2024-02-09
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: Affirm Holdings, Inc (CA)

We can keep trying this until you finally respond appropriately. Note : If you close this as a duplicate I will just open another and will continue to do so, until you properly respond. On XX/XX/XXXX I made a purchase using my Affirm card issued by Affirm through the Visa network. On XX/XX/XXXX the purchase arrived soaked in water with 1 of the 2 items not even being the correct item I ordered. I reached out to the merchant but did not get a response, so I initiated a dispute with the card issuer, Affirm. In order to initiate a dispute with the issuer, they require customer upload copies of their invoice, tracking information and any correspondence with the merchant, so I did. I also included photos of the damaged item. Days later associates from Affirm began to repeatedly ask me to send them documents, which they had already been provided. This went on for over a month, until they canceled my dispute and marked my payment toward the transaction as past due. Because of this my credit worthiness with the issuer has substantially suffered. The issuer has failed to comply with State and Federal laws and the Terms for Issuers set by Visa.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

On Friday XXXX I deposited a check my employer had mailed me. I did a mobile check deposit, a feature offer by my bank Wells Fargo. After the check was deposited, the app indicated {$400.00} of the funds were available now, and the rest will be available the next business day XX/XX/. I proceeded to make a XXXX payment using the {$400.00} funds available. On XX/XX/XXXX  when trying to make a mobile transfer to resolve an overdraft, the app indicated the transfer was not completed because I did not have the funds available, though, the funds were already visible on my savings account. I called the bank on XX/XX/XXXX  and spoke to a representative that informed me to contact the maker of the check because the check was on hold, and will not reprocess by Wells Fargo until XX/XX/, making funds available XX/XX/. I explained the check came from my employer. However, phone representative insisted that I needed to contact the maker of the check to clear up issue. I contacted my employer on XX/XX/, whom informed me the check appeared on their end as deposited and cashed. I immediately called Wells Fargo to relay the information my employer had told me and I was told the same information as Friday XX/XX/. I spoke to escalated rep XXXX, who once again repeated the same information finding no resolution to my problem, I explained the money is needed for my bills, and thanks to the Wells Fargo 's hold I was not able to deposit money into my overdrawn checking account and now I have incurred {$35.00} in fee. The representative refused to assist me, claiming there was nothing else to do. Wells Fargo has used misleading practices in the past, they have obviously not refrain from their activities. I did what I was instructed and yet I cant access my funds, now I will continue to get additional fees. How come I was able to use {$60.00} of the funds that were supposedly on hold? I want my funds release and any overdrawn fees from XX/XX/XXXX  and forward to be reversed
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

This person with XXXX and phone number XXXX called me stating to be a XX/XX/XXXX representative and asked if I had XX/XX/XXXX and which I said yes. But, I hanged up since it seemed fishy. But, the person managed to hack my phone through the XXXX app. Was able to find my XXXX XXXX XXXX  it and stole my XX/XX/XXXX login info. Get in get the code to get past the double security feature. And send XXXX to himself through a zelle account I didn't make towards XXXX. the next day I woke up logged into it and saw that and started contacting my bank saying to factory reset my phone and run an anti-hack program which I did and they told me there is nothing to be done and believe I gave my authority on the transaction when I didn't since he had full access to my phone after the hack.
Consumer complaint received 2023-08-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: SLM CORPORATION (CA)

My wife and I submitted an online application to open a joint CD account on XX/XX/2023. Since everyone around us had no trouble opening CD accounts and their applications were accepted within an hour with no additional documentation required, we expected it to be the same. However, we did not hear anything until XX/XX/2023, the day my wife, even though I was the primary applicant, received an email from the bank requesting additional documentation, which are copies of driver 's license and social security card and a copy of a utility bill under her name to verify her identity, but I did not receive any communication from them. I checked my spam folder, trash folder and all archived emails, I could not find any email from them. 
We wanted to open the account quickly, so even though I did not receive any communication, my wife uploaded both of our identification information instead of just hers on XX/XX/2023. We did not hear from them for two weeks, so on XX/XX/2023, my wife called the bank 's customer service department to inquire about the status of our application and to see if there were any issues that needed to be resolved. The customer service representative immediately transferred the call to the security team. She was then told that we had not sent the required documents. She said she did two weeks ago, then the staff told her the documents they received ( they changed to " received '' ) were not sufficient because they were not clear enough and one of the utility bill copies was outdated, even though the XXXX  bill we sent them two weeks ago was current at the time, but we recently received another bill. The staff did not respond to her inquiry, i.e. she wanted to know what problems or errors in our application may have caused the delay or if we have any negative records on our consumer report such as XXXX XXXX  or XXXX XXXX XXXX, but she did not get and answers. Instead, she was told to take pictures of our ID documents so that she could upload them back to their web site. Now opening a new CD account with them is not important for us but we want to know the reason why we have been treated like this way.
Consumer complaint received 2023-07-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
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. (PA)

Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers 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 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 2022-06-03
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. (GA)

in accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/2023, I applied for both a secured credit card and a pledge loan, but to my disappointment, both applications were denied. I find it puzzling since I've been a member for years, and because these accounts were secured, I felt a sense of discrimination as a XXXX XXXX male from an institution that I believed prided itself on being welcoming and family-oriented. However, I realize that my decision to file for bankruptcy earlier this year might have influenced the outcome. I also acknowledge that my financial difficulties might have caused losses for Navy Federal. 

Having spoken to numerous customer service representatives, I emphasized that I didn't want to file for bankruptcy protection. The loss of my job and the passing of my uncle due to XXXX have created significant hardships, making it challenging to meet the minimum payment requirements. 

On XX/XX/2023, I received a response within the Navy Federal app regarding a reconsideration for both applications, but they declined. On XX/XX/2023, I managed to speak with a manager who mentioned that they could remove the software block from my account, as evidenced in my attached screenshot, and they promised to call me back. However, to date, I haven't received any response. 

I'm interested in having the Consumer Financial Protection Bureau ( CFPB ) investigate this situation. I want clarity on whether a bank institution is legally allowed to take such actions. After reading numerous forums and hearing stories of others being banned from Navy Federal Credit Union, I'm curious to know if their practices align with constitutional principles.
Consumer complaint received 2020-12-30
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. (IL)

I reported to The three major credit bureaus ; XXXX, Equifax and XXXX that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.
Consumer complaint received 2020-10-02
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. (FL)

I called on the phone with all 3 Credit Bureaus also XXXX  I told XXXX  I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications XXXX be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Entered into a {$900.00} incentive, reward bonus package with Chase bank, received via email. I went to a local branch, opened a savings account, checking account and an attached agreement to have direct deposit of my upcoming, initial Social Security checks. I requested paper for each leg of this process and had each step explained to me. XXXX XXXX  of my obligations were highlighted on paper, in front of me. The savings part went smoothly and the bank 's commitment was honored timely. The problem area was with the checking account. I asked how much money I needed to put into the account and was told there was no need. I was shocked and asked how you could open an account with no balance. I was told, no problem. From XX/XX/23 until XX/XX/23, Chase bank had no problem with a XXXX balance. On XX/XX/23 with no contact, no announcement- the checking account was closed. The vice president of the branch did not know either. This threw everything in the initial reward/bonus package askew. The Social Security Administration recalled 2 checks ( XXXX XXXX and Mid XXXX ) because there was no checking account in existence. I have been to the branch a few times to no avail despite very amicable, professional staff. My case has been investigated by : Executive Office, Executive Action, Fraud, etc. I have documentation for everything, including monthly statements acknowledging the XXXX balance yet open checking account for XX/XX/23 XXXX, and XXXX XX/XX/23, the inital online advertisement, self-made transcripts of phone communication with investigators. I still maintain the savings account to keep a relationship until this is resolved. I am a longtime Chase credit card holder in very good standing and there is no problem with marketing finding me via : text, phone, snail mail, email. I have kept all the paper correspondence and have readily available scans of such. I have provided the current savings account number for the bank to locate my records, but, do not see a place to enter the now obsolete ( gone ) checking account number. That information can be gleaned from the attachments however.
Consumer complaint received 2024-02-09
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: SYNCHRONY FINANCIAL (HI)

I have 3 inquiries in my credit report under XXXX XXXX from XX/XX/XXXX, Informative Research miscellaneous from XX/XX/XXXX, Syncb/Tjx Co Dual Card XXXX XX/XX/XXXX. I do not recognize this inquiry because I am have just turned XXXX XXXX XXXX that time and does not know anything about credits. Please dispute/remove this in my credit report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.