davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
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. (IL)

I am a Victim if Identity Theft all of my information including my address, phone number, email addresses, social security number, bank account information, along with other personal information have been compromised.My personal information has also been exposed to an XXXX data Breach and also a XXXX data breach. My personal information has also been exposed on the dark web.There are several inquiries and accounts that i am not responsible for.The accounts that i am responsible for have been Greatly affected by this situation including several of my personal accounts in which i pay bills with.According to the Fair Credit Reporting Act it is within my rights to dispute any Incorrect information or derogatory remarks including Late payments.I have tried to settle this matter with several companies because it has greatly affected my family and i during this pandemic.
Consumer complaint received 2022-01-30
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. (IL)

I am a Victim if Identity Theft all of my information including my address, phone number, email addresses, social security number, bank account information, along with other personal information have been compromised.My personal information has also been exposed to an Equifax data Breach and also a XXXX  data breach. My personal information has also been exposed on the dark web.There are several inquiries and accounts that i am not responsible for.The accounts that i am responsible for have been Greatly affected by this situation including several of my personal accounts in which i pay bills with.According to the Fair Credit Reporting Act it is within my rights to dispute any Incorrect information or derogatory remarks including Late payments.I have tried to settle this matter with several companies because it has greatly affected my family and i during this pandemic.
Consumer complaint received 2022-01-30
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: WELLS FARGO & COMPANY (NC)

I was selling a dress on XXXX marketplace in the first week of XXXX for XXXX $ and received an offer from a XXXX user. They sent me an email ( that I found out later was a scam ) that looked like it was from XXXX ( the agreed upon method of transaction ) to make it look like they had completed the payment. I did not realize at the time that the email was fake/ a scam, and after I had already shipped the product I got another email that said the buyer of the product would have to send another XXXX $ on top of the XXXX $ they paid for the product because of " an issue with XXXX account limit '' and that I would not be able to have the XXXX $ deposited into my XXXX account unless I showed proof of refunding that extra XXXX $ to the buyer. The buyer contacted me saying they would pay the extra XXXX so I could supposedly get my XXXX $ payment for the product deposited into my account and that I should send them proof of refunding the extra XXXX they paid supposedly because of the account limit issue. I thought I was refunding them for the extra money they had supposedly paid so I could get my payment funded to my account, but it in fact was a scam and instead of receiving my XXXX $ payment for the item I paid XXXX $ to the scammer. I disputed this charge that was made through XXXX through my Wells Fargo account and they denied the dispute. I believe this falls under the consumer protection laws for regulation E and would like this report to be sent to my bank in hopes of them refunding my money because of a scam.
Consumer complaint received 2022-01-30
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 — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC (GA)

I am aware of my rights that have been violated by these financial institutions and 3rd pay debt collectors. I want my consumer report and FILE. there is a difference between both. In pursuant to 15 USC 1692C ( C ) Ceast and disist. I am the only true original creditor as well as these companies are portraying to be so, in pursuant to 15 usc 1692g iu want you to provide all that is required and if you can not which I know you can not because in TILA 15 USC 1602 I understand the definition of a creditor.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (WA)

A hard inquiry from Chase appears in my credit history with XXXX and XXXX for the date of XX/XX/XXXX. Per conversation with the Chase department for credit card applications, there was not any record of a XX/XX/XXXX inquiry to verify my credit history.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (IL)

We received a {$50.00} PNC prepaid/gift card for taking part in a study. The documentation we received stated that there were no ATM withdrawal fees from PNC ATMs, so we went to one nearby and withdrew {$40.00} ( multiple of {$20.00} ). They charged us a {$2.00} fee anyway.

You can't call them because they charge {$2.00} to talk to an actual human. You can't go to a teller because they charge {$5.00} for any sort of teller-related service with these cards. 

It seems pretty clear to me that the entire prepaid card business model is built on extractive hidden fees, fees for basic services ( like customer support and teller services ) or stealing money from people for failing to use the card within a specified period of time ( in the case of gift cards specifically ). It's insane to me that you all allow this business model to continue to exist. What is the CFPB even for?
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

On XX/XX/2021 the Company had predatoary charges on cleaning and unknown and unstated and unfair amounts. 
The quality of these items are not ment to withstand a 12 month lease. The initial amount {$480.00} - {$110.00} for an additional day of moving out. Therefore leaving a disputed frivolous amount of {$360.00}. The apartment management refused to recognize the additional frivolous charges with a detailed answer on the charges and instead sent a final request for {$280.00} due within so many days before it was sent to collections. Without any additional documation on what frivolous charges had been removed from the original amount of {$360.00}.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Requesting the removal of the inaccurate reporting on all 3 credit bureaus, the last reported payment was ( XX/XX/XXXX ), but also has no payment history on the account. It also has a 120 day collection remarks that also numerically invalid with no accurate record of payments. Making it difficult to obtain housing to avoid homelessness. This messes up two things, first, this error does not indicate when the account was actually charged off. Second, this error manipulates the status of the account itself. They were never given permission to furnish such, first delinquency and this is causing great stress being reported. XXXX XXXX XXXX XXXX XXXX has violated ( 15 USC 1681s-2b ) of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies. They failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too. I am demanding deletion from my consumer report or else. Im going to pursue litigation.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have written and sent XXXX certified letters to Comenity Bank regarding an incorrect missed payment report, but they have failed to take proper action. Despite disputing the inaccurate information with XXXX, Comenity only added a false statement in the comments section that the missed payment was due to a natural disaster, rather than fixing the issue. 
I made a payment of {$250.00} on XX/XX/2022, and have enclosed proof of payment and bank statements that were sent to Comenity Bank. I have now disputed this for the fourth time with XXXX and also with XXXX and XXXX. XXXX corrected my payment history with Comenity to reflect timely payments, but XXXX 's investigation is still ongoing. My main concern is with XXXX, as they have not properly investigated the report despite being provided with the XX/XX/2022 payment amount and dates from my bank statement. 
This is the second time that Comenity Bank has reported a false missed payment on my account, which I have had to dispute. I have never faced such issues with other banks, only with Comenity. Their refusal to correct the incorrect information and own their mistakes raises a major concern.
Consumer complaint received 2022-01-30
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: Receivables Management Partners, LLC (NC)

The Collection Agencies below have continued collection activity despite not properly conducting and obtaining by mailing debt verification after I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. Also RMP Services LLC and XXXX XXXX XXXX, have been advised they are in violation of the Notice of Proposed Procedures for XXXX XXXX  to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Ac. Furthermore, I have never signed a XXXX release form with RMP Services LLC nor XXXX XXXX XXXX. Therefore these are inaccurate XXXX violations and I want them deleted immediately. XXXX laws protect my personal medical information from being used without my personal consent and they are now very much aware of these XXXX violations, delete immediately. 

4 collection accounts Total balance : {$2400.00} RMP SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX {$880.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$1300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$64.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$86.00} Balance updated XX/XX/2022 When your account is in collections, consider these options :
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Can not regularly log into my account without excessive third party verification prompts. Monthly fee charged irrespective of maintaining balance requirement to maintain the charge on two accounts. Prior to that minimum amount of direct deposited fee was not disclosed when it was changed and waiver of monthly fee for months when charges should have not been waived were not respected. Reported that bill payments were being cancelled without my authorization in past months. On site support mirrored phone support in which they are a face to look at while speaking and the phone support is a phone that you can talk into but nothing gets done to resolve the issue.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In 9accordance to the fair reporting credit act these Creditors have violated my rights. Under 15usc-1581sectiom 602, states I have the right to privacy. Under 15usc a consumer reporting agency can not furnace an account without my written permission or instructions a credit or may not treat a account or plan as late for any purpose.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have complained several times about transunions credit scoring on my report apparently nothing is going to change, every time i pay down my bills my score drops instead of going up. my score drops more than any consumer i know. CFPB is doing nothing to help me with this problem and the company response is not legal. im ready to sue whoever is involved.
Consumer complaint received 2023-02-07
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. (NV)

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, dept of ed/ XXXX : # XXXX, XXXX : # XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXc : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, Dept of ed /XXXX XXXX # XXXX, XXXX XXXX  : # XXXXXXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-30
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. (TX)

XXXX XXXX XXXX  credit card on my equifax report, is showing open and the account is closed. XXXX XXXX accounts ( 2 ) showing up on my equifax credit report closed with {$0.00} balance. These accounts are paid, and should be removed from my report! Please get them removed from my credit report. Also a collection is showing up from XXXX XXXX for {$2200.00} - This is NOT a joint account and should not be showing on my report, as it is not my collection account. Please get these XXXX XXXX accounts removed from my report, or I will be getting a lawyer.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : U S DEPT OF EDXXXX XXXX  Balance : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance : {$6200.00} DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-11-29
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MN)

We annually transfer a donation thru WesternUnion to the XXXX university in the XXXX XXXX. The transfer is made to a personnel acquaintance. This year when he went to pick up the money, the local agent took the transfer codes and indicated it would take some time and he should wait a few minutes. When he returned to the agent they indicated the money was not available. As the sender we received notification that the money had been transferred. 
We put in a complaint thru Western Union on the transaction failure. During the course of XXXX follow up telephone calls one of the Western Union agents admitted they were seeing local agents defrauding customers. However they would do nothing other than confirmation the transfer.
Consumer complaint received 2024-03-13
Product: Credit reporting 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)

Requesting the removal of the inaccurate reporting on all 3 credit bureaus, the last reported payment was ( XXXX  ), but also has no payment history on the account. It also has a 120 day collection remarks that also numerically invalid with no accurate record of payments. Making it difficult to obtain housing to avoid homelessness. This messes up XXXX things, first, this error does not indicate when the account was actually charged off. Second, this error manipulates the status of the account itself. They were never given permission to furnish such, first delinquency and this is causing great stress being reported. XXXX XXXX XXXX XXXX  XXXX has violateXXXX XXXX XXXX XXXX XXXX XXXX  of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies. They failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too. I am demanding deletion from my consumer report or else. Im going to pursue litigation.
Consumer complaint received 2022-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (MD)

My fiance and I purchased a home together in XX/XX/XXXX. The taxes on the sale were paid properly. However, there was an issue with the payment for the second half of XXXX property taxes. I got a delinquent tax letter from the city of XXXX and called XXXX XXXX, my mortgage servicer, about it. I sent a copy of it to the email directed on XX/XX/XXXX. On the phone, they let me know that the taxes had been paid XX/XX/XXXX. However, that was not accurate, as I later learned XXXX repeatedly attempted to pay the taxes late, but did not include the late fees. I informed them in the email that per the XXXX city tax portal, the last payment was in XX/XX/XXXX. I sent several emails and called repeatedly, receiving various answers. On XX/XX/XXXX, I received the answer that they couriered a check to beat the tax sale. However, I got a letter and forwarded it to XXXX on XX/XX/XXXX. The letter said that on XX/XX/XXXX the tax lien was sold. When I doublechecked the previous response, I found that the courier had arrived with the check on XX/XX/XXXX, the day after the tax sale auction was held. I requested confirmation that the issue had been taken care of, but received no response, except for an automated email on XX/XX/XXXX that said my taxes had been paid. Apparently, that was the regular payment for XXXX taxes. 
I recently received a letter from the law office that bought the XXXX. I have called twice, XX/XX/XXXX and XX/XX/XXXX, and forwarded the letter to XXXX on XX/XX/XXXX, but have not received a response yet. So far, the amount owed has risen from about {$1800.00} to over {$2400.00}, and the lawyers have not filed paperwork for the case yet, which they are entitled to collect on. At this point, Im actually concerned that the mortgage company would keep failing to pay the owed property taxes until after the foreclosure hearing and we would lose our house. If I dont hear from them very soon, I will need to pay the tax bill out of pocket and try to recover the amount from small claims court.
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2022 I initiated a wire transfer of {$100.00} from an external financial institution to Bank of America. I was then charged a {$15.00} incoming domestic wire transfer fee which was not properly disclosed in either Bank of America 's Online Banking Service Agreement or Personal Schedule of Fees. In the Online Banking Service Agreement Section 5.B you can see fees for ACH transfers incoming/outgoing, but for wire transfers you can only see fees for outgoing transfers. On Page 14 of the Personal Schedule of Fees you can see a row for wire transfers incoming/outgoing and it only states Fee varies. Based on this information, I figured there would be no fees for incoming wire transfers and then I was charged one after it finished processing. I then called customer support, explained the situation, and asked for a waiver on the fee just this one time, but my request was denied because there was no error from the bank and that there was nothing they could do to waive the fee.
Consumer complaint received 2022-04-16
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.