davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SF VAGO, LLC (TN)

I XXXX XXXX entered into a consumer credit transaction with State Farm Bank on XXXX. A consumer credit transaction in which a finance charge was involved. Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit. The finance charge is suppose to include insurance but State Farm Bank made me purchase insurance separately.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I used the Amex Serve prepaid debit card ending in XXXX to bill pay a credit card online for which Amex Serve sends out a physical check against the funds on the account to be delivered to a merchant. ( In this case, a credit card at XXXX ending in XXXX for {$940.00} on XXXX ) After a period of no activity on the XXXX account, I called Amex Serve on XX/XX/XXXX ( they said the check is usually delivered in 2-4 business days ) to notify them of non payment to XXXX and asked to dispute the charge. I was charged the {$940.00} on the Amex serve card but never received the bill pay credit on my XXXX card. <P/>After a long wait, Amex Serve came back and said that the check was delivered and cashed by XXXX and that the dispute was closed. I then called Amex Serve again to notify them that I never received the bill pay credit with XXXX. After receiving no help from a CSR, I spoke to a manager who seemed to understand the problem. <P/>She took extensive notes detailing what happened and said that the dispute would be opened again and that the Amex Serve dispute team may possibly contact me in 2-4 business days asking for proof from XXXX of non-payment ( screenshot of the XXXX card account showing no credit given ). This was on XX/XX/XXXX. <P/>I received a notice from Amex Serve on XX/XX/XXXX directing me to look at a secure message. I could not open it and got this error message when opening the link : Bad Message XXXXreason : Request Entity Too Large. I called into Serve and was again told by a CSR that the dispute was closed as they had proof the check was delivered and it was cashed by the merchant. <P/>Once again, I explained that XXXX never credited me for the payment and that this was my third call and dispute. I spoke to a manager again who said he 'd open the dispute again and gave me the same speel about being contacted in 2-4 business days for possible proof of non-credit by XXXX. <P/>It seems like Amex Serve 's dispute process is hung up on whether the check was delivered to the bill pay recipient and/or cashed. Whether the customer actually had the bill pay credited, they do not seem to care. They as the payments company have the power and responsibility to talk to the merchant to verify bill pay credit and whether it was paid properly. They seem to be unable to resolve this case and I would greatly appreciate the CFPB 's help in getting proper credit on the XXXX credit card I used Amex Serve to bill pay.
Consumer complaint received 2022-05-27
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. (NJ)

Hi I am submitting this 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 tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-27
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-19
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. (NJ)

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. 

Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXXXXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : DEPT OF ED/XXXX, Account # XXXX Company name : DEPT OF ED/XXXX Account # XXXX Company name : XXXX XXXX XXXX XXXX XXXX, Account # XXXX Company name : XXXX XXXX XXXX, Account XXXX XXXX Company name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Company name : XXXX XXXX XXXX XXXX XXXX Account 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 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 2022-05-05
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. (IN)

In accordance with the Fair Credit Reporting Act : XXXX  Acct # XXXX ( Personal Loan ) XXXX XXXX XXXX # ending in XXXX ( Credit Card ) XXXX XXXX  Acct # ending in XXXX ( Credit Card ) XXXX XXXX Acct # XXXX ( Collection ) XXXX Acct # ending in XXXX XXXX XXXX Acct # XXXX Bankruptcy XXXX XXXX Reference # XXXX Bankruptcy XXXX  XXXX Reference # XXXX have all 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 written instruction.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

First off I want to say I have tried reaching out to the agency any they refuse to rectify the issue. I would like this removed from my credit report as this account was added due to no fault of my own. 

On XX/XX/XXXX of 2019 I was notified that my first payment with Citi bank had been returned for ISF. I have had the account open since XXXX of 2019. Upon further review I found out my payment was returned because my personal banking account info had be breached by fraud. So I reached out to Citi bank Friday XX/XX/XXXX and notified them of the incident and that I would like to make a payment arrangement/ promos to pay for the following week. I also notified them since my account was fraud Ed please do not attempt to debit my account again until I can get my account situation. I was assured by the agent that no attempts would be made to charge my card again until I called to make a payment. The next week I sat down with a bank agent to go over my account and sort out all of my fraud charges. But she asked me had I stopped all payment from coming out of the account I said yes. But looking at the account from last Friday to Tuesday I was negative XXXX and all those XXXX returns fees came from Citi bank. I could not understand why they tried to charges my account a total of 7 times and even at the time of my bank visit another charge was taking place. I immediately called and asked why they did this when I did not give them permission to charge my card. They claim that they only attempted 2 charges because its a automated system. But even the bank agent spokesperson asked where did the 4 additional charges come for. The Citi bank rep then disconnected my call. Trying to reach another agent resulted in a 45 min wait. But was hung up on again. In XXXX I did not make a payment at all stove the fraud left my personal and business account drained in XXXX I paid on my Citi bank card. I had no problem I did a one time payment over the phone. On XX/XX/XXXX I call to pay the remaining balance on my account and was notified the my account had been closed. When I asked why the agent couldnt tell me. I was transferred two times until a manager named XXXX told me my account was closed due to suspicious activity. I asked what does that mean and her exact words were you made multiple payments on you account while it was open. And Citi bank has the right to close any account if we deem it suspicious for any reason. I could not understand y me spliting my bill up resulted in my account being closed. I would pay half my balance owed 7 days b4 the due date and the remainder on the due day. So it was alway be paid on time. And the exact day it closed is the same day I missed my first payment XX/XX/XXXX. I was not notified my account had been closed I was still receiving my regular monthly statements with nothing on the saying closed account.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CO)

To : Discover Card, XXXX Per my conversation with your customer service representive on XX/XX/XXXX at approximately XXXX XXXX  MST, I asked for a settlement amount of {$800.00} on three occasions to resolve our balance of {$3800.00}. I was turned down firmly by your representative on each request! I was informed I DID NOT have any other options at this time and had to wait until XXXX for any type of negotiations or requests to decrease the amount that is owed. 

In a good faith we contacted Discover to discuss our dilemma and discuss our current situation with your company. to no avail. I felt like a criminal after my phone call with your representative for asking for a reasonable solution. While she was not rude, the lack of options was totally discouraging. 

My dilemma is I am currently on a very limited monthly income and can not and I repeat can not afford any monthly payments at this time. I made a payment on XX/XX/XXXX for {$300.00} and another one on XX/XX/XXXX for {$3500.00}. The total paid was {$3800.00} as of XX/XX/XXXX. I was hoping for a reduction of what is currently owed for the remaining balance. My intention is to not go delinquent and then many months from now, have your company offer some kind of settlement. Why cant this be done now based on extreme financial hardship as well as being a XXXX  XXXX veteran? 

My current physical conditions have changed drastically in the last several months.My doctors have informed me that I am 100 percent unemployable and can not work. Also, being XXXX  limits my options for repayment because of a very low monthly income. 

I appeal your decision not to communicate with me until XX/XX/XXXX and your unwillingness to discuss any other options for repayment. 

I totally think your company is not willing to work with me and I felt cornered and threatened by the phone call today ( XX/XX/XXXX ). I felt the Discover Card Company representative was frank and stern and was not willing to work with me at all. The call instantly caused my XXXX to increase to a level of stress that is extremely difficult.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card with Bank Of America was activated last year with a limit of {$500.00}. This year my credit limit was increased to {$1000.00} and they told me my card was upgraded and I wo n't be charged any annual fees here after since it 's not a secured credit card anymore and my deposit of {$99.00} would be refunded. Deposit of {$99.00} has been refunded and now I get charged {$39.00} annual fees for a card which has no annual fees anymore as I had been informed.
Consumer complaint received 2022-05-27
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. (TX)

FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-27
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. (TX)

FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.
Consumer complaint received 2022-05-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

My account was disabled when I became behind on payments due to XXXX pandemic which prohibited me the consumer, the natural person to make any payments, this company was opposed to accepting a debit card payment as well. I the consumer did not opt out of having my statements mailed to me, I have not received any statements via mail as requested. I also called several times to let the company Nissan Acceptance and Infiniti Finance Services to ask for assistance with helping me in making the payments to keep the car. I asked Infiniti Finance Services to work with me. Ive called to try to collect my personal belongings from the vehicle after repossession. I also did not give written consent to Associate Asset Recovery nor Nissan Acceptance Corporation nor Infiniti Financial Services to tow my car to any location. I never gave written consent for my personal and private information to be sold by these companies for their personal gain. Federal Violation pursuant to 15 USC 1692 ( 6 ) ( A ) XXXX XXXX XXXX was not given written consent to tow nor reposses the vehicle and they are holding my personal belongings hostage. I have called to make an appointment to collect my personal belongings from XXXX XXXX XXXX, with no answer and results.
Consumer complaint received 2024-05-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SF VAGO, LLC (NY)

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX I see a car loan charge off on my credit report ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX COMPANY INFORMATION : XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX I ASK FOR THIS ACCOUNT TO BE INVESTIGATED AND DELETED AND REMOVED FROM MY CREDIT REPORT FAIR CARES ACT LAW 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To whom this may concern on XX/XX/XXXX a previous complaint was filled with the CFPB ( ccomplaint # XXXX ). It has been more than 30 days since my complaint has been filed and I have not received any substantial remedy or status since my initial request. After review by XXXX, the account was removed from there reporting as the account did in fact contain these errors. I requested that the following account be reinvestigated and removed due to multiple errors found within this collection account. By law, only accurate information may be reported and the account was previously disputed and marked as updated. My 1st reason for deletion is inaccurate date of acquisition by XXXX which is reported as being purchased on XXXX XXXXXXXX XXXX XXXX shows the account was actually purchased XX/XX/XXXX. XXXX XXXX stated on XX/XX/XXXX that the account was closed and would be reported as closed which they failed to do. The account only showed as a collection with no payment history or details. I also requested all documentation showing a summary of all charges because the amounts owed was also wrong. On the last statement received dated XX/XX/XXXX the balance subject to interest is {$2500.00} plus 22.99 % interest ( {$50.00} ) which totals {$2600.00} not $ XXXXThe account was disputed with the original creditor and with XXXX XXXX XXXX XXXX  and your bureau Trans Union In my original dispute I requested a copy of the original contract with my signature as well as the accounting documents showing how the total amount owed was calculated. I have received neither of the requested items within the time allowed by law. These items are highly damaging to my credit worthiness and character and may be subject to civil compensation. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, section 611 subsection A-D I demand that you provide actual proof the information was verified, not a computer-generated confirmation.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Company refuses to stop sending mail even after sending a do not mail request through the fair credit bureau. I called the company and asked to be removed from the mail list in XXXX. Since then I have gotten three more letters.
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

SEQUOIA FINANCIAL SVCS at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXhas been sending me collection notices in the amount of {$500.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.