davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (MD)

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 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.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I opened an American Express Gold Card in XX/XX/XXXX, with an offer to receive XXXX reward points for spending {$4000.00} in the first six months. In late XX/XX/XXXX, I noticed that XXXX points had been credited to my account. In early XX/XX/XXXX, I contacted AmEx customer service ( via web chat ) to ask whether these points were for meeting the spending requirement. Customer service confirmed with me that I had met the spending requirements. 

But then in XX/XX/XXXX, AmEx took away XXXX points from my account. I called in to ask. Customer service told me that it was because of a couple of refunds in XXXX and XX/XX/XXXX. This puzzled me, since they told me in XXXX that I met the spending requirement. If there were refunds in XXXX and XXXX, then they should not have credited the points to my account in XXXX, and should have not have told me in XXXX that I had met the spending requirement. 

The answer I received from AmEx was that there was a three-month delay in their system, resulting in the system not taking into account the XXXX refunds. I told them that this was unfair, and they promised me to conduct a review of the case. Then a couple of months later, they told me that after the review they were not going to change anything, because the system delay was not their fault. 

I believe that this is unfair treatment of customers, holding customers responsible for AmEx 's system fault. I would like to request for CFPB to investigate this practice.
Consumer complaint received 2022-06-02
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. (MD)

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 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.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Some one opened a Capital One account in my name. This account was sold to XXXX XXXX XXXX. I don not owe this debt. I contacted the company several times to rectify the matter, but have found them uncooperative. I've asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened up the fraudulent account in my name. They have not provided validation. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 a non-negotiable draft # XXXX drawn out of XXXX XXXX XXXX. was deposited in the amount of {$21000.00} to JP Morgan Chase Bank, XXXX checking account belonging to XXXX XXXX XXXX XXXX XXXX XXXX. The check deposit was made at a physical branch located in XXXX XXXX, FL. The check deposited cleared on XX/XX/2022, evidence can be found by looking at the online banking activity. 

After reviewing the available balance through Chase online banking on XX/XX/2022, an authorized signer initiated an online domestic wire transfer around XXXX in the amount of {$210000.00}. At the time of making the wire transfer the available funds were greater than $ XXXX. 

Later in the evening, ( around XXXX, XX/XX/2022 ) a text message notice sent by Chase XXXX there was a negative balance on the Chase checking account. The bank ( Chase Bank ) decided to put an " unreasonable special hold '' in the amount of {$20000.00} for a period of XXXX business days, same as XX/XX/2022. 

The Chase checking account ( " XXXX Account '' ) has been in " good standing '' since it was opened more than XXXX years ago. The account has never over drafted, there has never been any fraudulent checks issued, no fraud has ever been associated with the account whatsoever. 

The negotiable draft # XXXX is a non-local instrument which at XXXX would incur a XXXX business day hold. Let 's establish XXXX fact, the funds for check # XXXX in the amount of $ XXXX have cleared since the payee provided me with a detailed bank statement on XX/XX/2022 when a Chase customer service rep made me aware the funds were not available after talking to XXXX Bank. 

After speaking with a Chase customer service supervisor, " XXXX XXXX ''. XXXX XXXX explained the hold on my the account is due to the funds from the check deposit amount ( large sum ) funds which have not been collected. I tried reasoning with 2 customer service reps and XXXX XXXX but they failed to establish a reason to issue an unreasonable special hold wait period of 9 days. The Chase employees said the issuing bank XXXX XXXX XXXX  ) could not verify if the check had cleared on their end. 

This entire scenario has been blown out of proportion. It is the beginning of the month and the account can have automatic payment deductions for my debt obligations. Chase bank is placing my credit score at risk of endangerment if I can not meet these debt obligations. Furthermore, under XXXX " XXXX '', the bank has failed to provide me with a notice for an extended special hold and their reasoning for placing a 7 business day hold on funds which have already been cleared by the issuing bank. This alone is non compliance of XXXX " XXXX ''.
Consumer complaint received 2021-03-22
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: AFNI INC. (MS)

mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (VT)

In XXXX {$90000.00} was transferred from my XXXX XXXX XXXX  account to an E-Trade savings account. They froze my account after taking the XXXX in funds plus another XXXX in a brokerage account. I called and eventually got it unfrozen. After I got my account unlocked after lengthy calls with customer service they reopened it. Once it was reopened i was so frustrated with how long I was locked out of my account. When I got back in the first thing I did was send the funds to my XXXX account. E-trade sent the funds to my XXXX  account on XX/XX/XXXX and on XX/XX/XXXX took the funds back out of my XXXX  account and permanently put a hold on my money. They won't unlock my account and have given me no recourse to receive my funds which are stuck in limbo even though I have supplied them with pictures of XXXX  card, Passport, drivers license.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MI)

I received an email on my parent 's email that Wells Fargo has opened an checking account in my name. I have not opened any account in my name with their company. I called and they froze the account in question and opened some sort of case. I was transferred to the fraud department and when questioning them as to how the account could have been opened without verifying my identity, they cold transferred me back to the customer service line and are not explaining how they could issue an account without verification. Upon calling back to the company, the representative from the fraud department said that they wouldn't be able to give me any information on the account until the fraud department closes the case in which they may contact me if needed. This seems like a violation of some anti-money laundering laws and consumer protection acts regarding financial institutions. It's also extremely shady to not be able to give information out to me regarding an account they saw fit to issue in my name. They had enough to approve the account but can not give the information to the verified individual on the phone. I have no recourse as to next steps and they didn't tell me how they would fix the problem. I would like a resolution to their error and an understanding of how they can issue accounts without verification.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, 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 ;
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I just had 3 recent hard inquiries on my credit all happen simultaneously on XX/XX/XXXX and I believe there may be some fraud going on.

The 3 companies listed on inquiry details were : XXXX XXXX XXXX XXXX Capital One
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

On XX/XX/2018, Credence Resource Management , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Credence Resource Management , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (AL)

I received a notification from CCS offering a discount payment of 50 % for an alleged debt on XX/XX/21. I do not have a contract with this collection agency and the notification did not advise of the 30 day validation of debt option. Be advised that I am not requesting a verification that you have my mailing address, I am requesting a validation that is competent evidence that I have some contractual obligation to pay you ( CCS ). Under federal law you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to provided within 15 days of the completion of your re-investigation.
Consumer complaint received 2020-04-03
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: Paypal Holdings, Inc (IL)

I received a bill from XXXX Master card  for charges incurred from XX/XX/XXXX-XX/XX/2020. I found that I had been charged {$2300.00} for purchases made via Paypal ( see attachment ) from individuals in California. I live in Illinois. 

I tried to contact Paypal, on several occasions, but I can not get in contact with a human being. I have left a message that I hope that will respond to.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX XXXX credit card XXXX which was CLOSED BY CONSUMER in XX/XX/2022 pursuant to my phone call made to XXXX. XXXX has willfully violated the FCRA by failing to promptly report the account as CLOSED BY CONSUMER on my credit reports. My credit reports for XXXX, XXXX and TransUnion still inaccurately list my account as OPEN. Even though I have a perfect payment history ascribed have never been late, I demand statutory damages of {$1000.00} for willful violations of the FCRA for failing to timely report my account to any CRA as CLOSED BY CONSUMER as required. I therefore DISPUTE any stale balance which is now {$0.00} after providing a credit of {$1000.00} for statutory damages. Therefore, I demand that my credit reports contained the required caption of Account DISPUTED BY CONSUMER and that the closed and disputed captions remain permanently on my credit reports even if XXXX disagrees so that additional willful violations can be avoided.
Consumer complaint received 2021-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I applied for student loan forgiveness through the Public Service Loan Forgiveness Program ( PSLFP ) and was denied the loan forgiveness ( XX/XX/XXXX ). It turns out my loans were ineligible. However, I was never given the information that my loans were ineligible even when I spoke with my student loan provider Navient in XXXX when the program began and in XXXX when I called them to switch to an income repayment program and told them I was working towards forgiveness on the PSLFP I was not told, nor could find any information at that time, that FFELP loans were not eligible and the repayment plans I had been on prior to XXXX and after XXXX would never make me eligible for this program. On XX/XX/XXXX when I called Navient after being denied PSLF by the Dept. of Education, that is when they then told me my loans were ineligible. Nothing on my account summary or information of my loans on their site ever said my loans were through the FFELP. Onluy after my call on XX/XX/XXXX did they switch the description of my student loans on my account summary on the online portal. Prior to XX/XX/XXXX it just listed them as " consolidation ''. After XX/XX/XXXX it still said " consolidation '' but they added FFELP on my account summary. Clearly they are giving misinformation to customers and not providing them with the information they need to be able to qualify for these programs. If I had been told in XXXX and XXXX that my loans were not eligible, I could have transferred my loans to a Direct Loan consolidation and then started working towards the 10 year requirement to qualify for the PSLF program. Only finding out now is not only really upsetting because I worked those 10 years towards nothing, but if I switch my loans at this point to Direct Loan consolidation and have to start the clock again, I will pretty much have paid off my loans in 10 years and would not even need the forgiveness program. I urge you to do something about these unethical practices and the misinformation or lack of information student loan services provide their customers on these programs. Clearly it is not in their best interest to have our loans forgiven and I feel that dictates their practices. Given that the DOE has only forgiven 1 % of loans through the PSLF program and there had to be a congressional hearings in XXXX to investigate the practices of the DOE in regards to this forgiveness program, there is clearly some kind of wrongdoing or unethical practices taking place by the DOE and lenders like Navient to prevent people from qualifying for it, whether directly or indirectly through misinformation or lack of information.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021 there were 13 charges made to my Bank of America checking account totaling {$4300.00} in a very short time span. I nor my husband made or authorized the charges to be made. This is a significant amount of money! The Virginia Lottery has been amazing but Bank of America has not!! I have provided a signed letter to the bank, the Virginia Lottery has closed both accounts.
Consumer complaint received 2024-03-18
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX - Account Number : XXXX - XXXX XXXXXXXX - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXX - XXXXXXXX XXXX  - Account Number : XXXX
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-02
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: Nelnet, Inc. (NY)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.