davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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. (IL)

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. 

XXXXXXXX XXXX XXXX an XXXX company, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-30
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. (IL)

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 an XXXX company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (MD)

American Express has charged off an account I had with them and sold my information to a debt collection company ; both have been harassing me about the debt and giving out different amounts owed. American Express continues to report the account inaccurately which is harming and damaging my reputation. What American Express is doing is wrong and illegal ; who do I owe and how much do I actually owe? American Express is allowing and giving the CRA wrong information to report and this is causing a great deal of stress and preventing me from accessing a home for my family and business opportunities.
Consumer complaint received 2022-10-29
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX # 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 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I am a victim of Equifax Security Breach. I filed my claim on XX/XX/2019. I have also contacted the administrator of the settlement as instructed with no response as to where my settlement is.
Consumer complaint received 2021-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX, I received a notice that flood insurance is no longer required on my escrow account and that the flood insurance has been removed from my escrow. Because of this, I have cancelled the flood policy with the flood carrier. I called on XX/XX/XXXX to request and escrow analysis in order to reduce the escrow payment for the XX/XX/2021 payment. The representative informed me that I can not do an analysis until XXXX.
Consumer complaint received 2023-03-10
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. (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 XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (KY)

On XX/XX/2023 I went to make a purchase and noticed my balance wasn't correct. I called customer service number and was notified I had a pending direct deposit of {$1200.00} scheduled to be deposited into an account/card I don't have and one I did not authorize. I spoke to a live representative and explained what was going on and I was informed direct deposit was scheduled to be deposited on an XXXX XXXX card/account. I expressed I didn't authorize that and I wasn't the owner of that card/account. I was told since it was a pending direct deposit I would have to wait until deposit went through! But she would make a note on my account and I would be receiving my money back. Days go by nothing. I call for updates and told they see all this marked down but no update. On XX/XX/2023 I spoke to account representative and was told I needed to fill out dispute forms and if I had received them. I confirmed I had not so she emailed them to me. I emailed completed forms to dispute department on XX/XX/2023. I was then told after they received completed forms it could take up to 21 days to investigate and resolve dispute. Here it is XX/XX/2023 and I haven't heard anything. I called on XX/XX/2023 which is XXXX after " investigation '' was finally started according to customer service. I asked for status update and was told there were no updates. I asked for the number to the dispute department and was told they were not taking calls. I called back on XX/XX/2023 and told still no update but note was put in for someone from dispute department to reach out to me with an update. I emailed the dispute department on XX/XX/2023 and have yet to hear back from anyone.
Consumer complaint received 2018-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc. (NY)

Bought a TV through PayPal Credit/Bill Me Later back in XX/XX/XXXX. With my current balanced added with the TV, my minimum payments were around XXXX a month. In XX/XX/XXXX the TV was refunded back to PayPal credit for its full amount and when it was my new minimum payment raised to XXXX a month. When I called PayPal credit for clarification they told me that because that promotional offer was done that my new minimum payment was XXXX. I told them it didn't make sense because I made on time payments every month and gave them a refund for the TV full amount. They stated after that the promotional offer no longer being there is the reason for the new minimum I told them I wasn't able to pay that minimum and the logic of my new minimum made no sense they said their was nothing they could do and that was the last time I spoke to PayPal credit
Consumer complaint received 2021-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (CA)

This collection agency, AmSher Collection Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Reported a cable bill that was 20 years ago to the credit Bureau. The bill was in dispute back then. How could this collection agency lie about the account status and alter the past due date so it reported and then contact me to collect the money. They should be legally liable for damaging my credit score and should be putout of business
Consumer complaint received 2024-04-17
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NC)

I have a prepaid mastercard gift card through US Bank. I have an unauthorized charge for {$140.00} that drained my remaining balance all but {$0.00}. I called the number on the back of the card and they told me to fax my SSN and ID over to a specific number. I do not have a fax machine but also am very frustrated they requested this info. They then told me it could take 90 days to resolve. I submitted a claim on the XXXX website but have no way of checking the status. This is very frustrating to have {$140.00} taken from me and I feel there is not a chance I get the money back.
Consumer complaint received 2021-01-09
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: Resurgent Capital Services L.P. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. I HAVE TO DATE RECIEVED NO PROOF THAT I OWE SAID COMPANY ANY DEBT. ITS HAS NOW BEEN OVER 30DAYS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Consumer complaint received 2020-12-29
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-10-30
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 (GA)

I have been battling with BofA for months. My entire wallet was stolen from my gym, XXXX XXXX XXXX, in XX/XX/XXXX. I reported this to the police and notified BofA requesting they close the account and lock both of my credit and debit card. However, my request fell through the cracks and the thief was about to make over {$3400.00} in debit and & XXXX in credit. I disputed all transactions from XXXX and the only transactions that were awarded in my favor were the credit card claim transactions. The financial institution is claiming that I or an authorized user made these purchases on my debit card, no one is authorized to use my debit card and my card was stolen, no longer in my possession after XX/XX/XXXX. There are identical purchases on both the BofA debit and credit card from the same email address yet, they are awarding the credit card claim and not the debit card claim. I have requested documents from these merchants and they are all online purchases from an XXXX XXXX ( Ive had an XXXX XXXX since XXXX ), the carrier service is XXXX XXXX XXXX ( I use XXXX ), my name is continuously spelled incorrectly on all purchasing orders, and the orders come from email addresses that do not belong to me. The email addresses are ; XXXX, XXXX and XXXX. BofA is failing and refusing to provide any information or logic behind their decision behind denying the debit card claim. The entire claim was paid for with my credit card and nothing has been paid with my debit card for over 6 months. The law states that : Under a XXXX federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability. This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft. It would be reasonable, in light of my non-participation and lack of receipt of merchandise, that all money from said transactions during XXXX be resolved in the cardholders favor and credited back to my checking account.
Consumer complaint received 2023-03-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-08
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I XXXX ), ( XXXX XXXX XXXX  XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX  XXXX ), ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXXXXXX ), ( 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 2022-10-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1631 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 2024-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

Dear cfpb Today I contacted Chase Bank again, and this shameless bank, despite clear evidence, has embezzled {$680.00} under the pretext of a merchant rebill and demanded repayment. 

The items I purchased on XXXX in XXXX were out of stock, so the orders were canceled, and the merchant refunded the money. However, despite multiple attempts to have my balance adjusted after the refund appeared on my credit card, the bank refused to cooperate, insisting on embezzling this amount. 

Today, when I contacted them again, they shamelessly cited the merchant rebill as the reason for not adjusting my balance. This disgraceful behavior by the bank warrants legal action, and I urge authorities to supervise. 

The merchant has already refunded the money without shipping any goods. It is now Chase Bank that is embezzling this amount and shamelessly fabricating various lies! 

Thank you for your attention, and I appreciate the oversight by the authorities. 

XXXX
Consumer complaint received 2023-02-08
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( XXXX  XXXX XXXX  XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I XXXX ), ( XXXX XXXX XXXX  XXXX XXXX ), ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX  XXXX ), ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXXXXXX ), ( 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 2023-03-10
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. (CT)

The unverified items indicated below continue reporting on my credit report despite several written requests for months, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected as soon as possible for they are causing my score to drop! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo removed funds from my account to pay my credit card. XXXX XXXX the credit card, received payment, and I received proof and confirmation. Then Im told they did not receive the payment and no money was in my Wells Fargo account and I dont know what happened. I just know that I did not have the money after. Then, two days including day payment was made was missing on my Wells Fargo statement. As you will see in attachment below.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (NC)

In 2019 I lost my previous place where I was living. In the judgement with the court the managers were awarded the property only and not an monetary amount. After going back and forth for a year with the company. They finally gave me a move out statement. The amount the company is saying i owe is incorrect. I need this fixed.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (GA)

Experian offered to negotiate billing with current creditors to reduced the billing amount. I provided accounts for their use during a free trial period of 7 days to see if they could produce results. Couple of days later they asked for " additional information '' on one of the accounts and I provided the requested information. Free trail period ended with no results or any response and they billed my credit card for {$24.00} on XXXX I called to cancel the " Premium account '' offer on XXXX and they said the billing was nonrefundable. I told Experian they did not produce the results they offered and I wanted a refund. After several minutes on the phone, they finally agreed to refund the charges. They should not offer services they can not provide or fail to provide. This is nothing more than fraudulent, " bait and switch activity '' and then they refuse to refund the money. They should be prohibited from this activity and not allowed to offer nonexistent services.