davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX is wrongfully reporting a credit card debt as current and late, when the debt has been charged-off and paid in full via settlement via XXXX XXXX XXXX a XXXX party collection agency by which I was promised that the debt would be deleted, thereby damaging my credit report on all three bureaus with inconsistent information and duplicate reporting. On the one hand this debt charged off on or about XX/XX/XXXX and forward to XXXX XXXX  of which they began to report the debt as a collection debt. On the other hand the though the debt was charged off and sold to a collection agency the XXXX XXXX continued to report the debt as open and late continuously for more than three ( 3 ) years. Upon my best efforts to reach out the credit union to update reporting and/or settle debt I was told that the debt was sold and off their books and that I should just dispute the incorrect reporting and/or settle discuss settlement with XXXX XXXX. On or about XXXX 2019 I began to review my report in an effort to clean up my report because to my dismay I was being turned down for many job opportunities for my credit. In good faith I borrowed funds to begin paying of old debt in hopes of clearing my credit so that I take advantage of potential missed jobs. On or about XX/XX/XXXX I reached out to XXXX to settle two accounts a credit card with acct # XXXX XXXX {$980.00} XXXX and charge off auto loan with acct # XXXX XXXX {$10000.00} XXXX both of which were charged off accounts of XXXX XXXX XXXX. Though both debts were being incorrectly reported with three line items creating triple reporting for the same debt as follows : ( 1 ) open collections with XXXXXXXX XXXX, ( XXXX ) Open Collections +120 days late and ( 3 ) charge off ( 2016 ) with XXXX XXXX, I was told in order for the debts to be deleted and my report to be updated correctly I would have to pay the entire amount owed plus interest and that they would then inform the credit union directly. As of XXXX XXXX, 2019 all debts have been paid to XXXX XXXX and to this day XX/XX/XXXX2019 the credit card debt XXXX {$980.00} XXXX charge off still remains on my credit report and is being reported current late and charge off by the XXXX XXXX. Being that this incorrect report has been going on by the credit union for more than three years and the debts has been paid in full I would humbly request that both line items ( 1 ) the charge off debt and ( 2 ) the current 120 days late be permanently removed completely from credit file.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  XXXX and XXXX XXXXXXXX XXXX '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX  XXXX and XXXX XXXX XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (NJ)

the law offices of Frederick I Weinberg is debt collector suing me under XXXX XXXX XXXXXXXX. They are saying they are a lawyer under XXXX XXXX XXXXXXXX but haven't provided me with any of the information that I have requested under the Emergency Banking Act of 1933.
Consumer complaint received 2023-01-06
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. (NY)

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX - XXXX Date Opened : XX/XX/2013 Balance : {$10000.00}
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-01-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have filed a fraudulent activities in my checking account and credit card with Bank of America because my computer was compomised. It takes hours just to get someone from Bank of America fraud service on the phone. Then they would transfer you from one department to another and then you are put on hold again and again. After all those hours spent on hold and days to get someone to take your report, 3 months later, they simply informed you that they do not believe it's a fraudulent activities. I even went to the bank in person but they just sent you away and tell you to call their fraud line. 
This is how my account was compromised. 
They would sent you a email and letting you know that your account was charge for an amount. If you believe this is an error please call XXXX XXXX XXXX XXXX. When you call them they said that they will reverse the charges but before they do that they kindly asked you to download an apps to that they can help prevent from it happening again. Basically the APPS allow them to access your computer so they can do virus scan. Then they will ask you to check your account to see if the amount was put back into your account. This is how my checking account was compromised. Because my credit card is link to the checking account, they transfer fund from my credit card to my checking account and claim that they over paid you and ask you to wire the fund back a foreign account because they claimed that they business internationally. So be aware of this scam.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo would charge NSF fees every 2-3 days days and would cause my acct to be negative. I would call and try to discuss the situation and they wouldnt remove the charges. This led to my overdraft and negative account. The end result was that I couldnt pay fees and they closed my checking and savings account. Now Im I. Collection
Consumer complaint received 2023-02-16
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: Fidelity National Information Services, Inc. (FNIS) (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 XXXX XXXX XXXX, Ohio XXXX ACCT # 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 2023-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I placed an order with XXXX XXXX XXXX website on XX/XX/XXXX at XXXX. After realizing the website was a fraud/scam I immediately emailed the company and requested to cancel the order, XX/XX/XXXX at XXXX. This company responded to my request via email on XX/XX/XXXX, at XXXX acknowledging that I had requested to cancel the order. Their cancellation policy per the website states, " cancellations must be done prior to the order being shipped. '' I then received an email on XX/XX/XXXX stating that the order had been shipped. This is 10 days after I cancelled the order, well within the time period. I have emails time stamped and dated showing this as fact which I have provided below. I filed a dispute with the credit card company since I did not receive a refund and provided them with proof that I had requested a cancellation well within the time frame. They denied my dispute stating they need documentation from the merchant showing they cancelled the order. I submitted proof that it was requested and that the merchant acknowledged that I had requested it be cancelled. The merchant did not cancel the order because they are a fraudulent company. There are many complaints on the FTC website about this company and the fact that they are scammers. This merchant is also claiming that the order was received. I have not received anything from this company. I have cancelled all of my accounts with the credit card company as they lied and stated that I would not be held liable for fraudulent transactions. Since this is a scam website, it should fall under fraudulent activity. I will not be paying for something that I cancelled or that I never received. They have been provided all proof of cancellation, the website policy for cancellations and all info related to this dispute. They asked if I would call the merchant number to dispute it with them. I called the number provided while on the line with Capital One and it is not even their companies phone number. Again, they are not a legitimate company hence I can not dispute it with them. I want the charge removed from the account and all accounts with this creditor closed. I will no longer be using Capital One as my credit card company.
Consumer complaint received 2023-02-16
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. (TX)

XXXX XXXX XXXX is furnishing inaccurate information to my Experian credit file. Collection account XXXX. Experian is reporting XX/XX/XXXX for date last active while XXXX is reporting XX/XX/XXXX for date last active. Due to inaccuracies I want the account deleted for violating the FCRA. My proof is directly from my credit report that shows the violation.
Consumer complaint received 2023-02-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (MD)

I did not receive a check or anything from the dealership to purchase the vehicle or from the alleged lender which caused me to inquire and ask for validation and verification from the alleged lender.I was not given any ledgers of where the money came from and no information showing how the debt is valid. I also did send a cease and desist until all was resolved and they denied the cease and desist by saying they will only stop calling me but will not cease reporting to the agencies and will not stop charging me until they actually validate and verify the debt. I also received a letter from Santander the alleged lender stating that they are the indirect lender which is very strange and appears fraudulent who is the direct lender.I am requesting payment for the violations, a return of my down payment, the finance charge, transfer of the title to me, and removal of alleged debt from Santander and any third parties
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (TX)

At XXXX XXXX on Monday, XX/XX/2023, I went to the Citibank location at XXXX XXXX XXXX XXXX in XXXX, Texas to get a cashiers check, however there were no bank tellers in the branch. The only 2 people in the branch was the branch manager and a supervisor. They told me the teller would be back in 10 - 15 minutes. I left and came back at XXXX XXXX and the teller was still not back. The supervisor told me the teller went to the clinic and was still not back yet, so I asked the supervisor if she could help me with getting a cashiers check and she said no. She that the teller is the only one who can help me when she gets back from the clinic, because the only other teller is still in training. This is HORRIBLE customer service. The branch manager or the supervisor should have been able to assist me rather than asking me to keep coming back in hopes that the teller would eventually return to her work station. Otherwise, they should have closed the bank if no transactions could be made. What kind of bank refuses to help their customers? And what kind of bank has to come to a complete stand still because the teller has apparently left for the day? This is piss-poor management at this location and the worse customer service I have ever experienced at a bank. If a banks hours of operation indicate that they are open, then they should be able to serve customers whether their tellers show up for work or not. This is unacceptable!
Consumer complaint received 2023-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (IL)

I requested a refund on XX/XX/, for the payments I made on my student loans during the forbearance period. Across my loans, this refund would total out to {$2300.00}. They quoted me a 60-90 day waiting period and said that I would see my original ( pre-payment ) account balance be reinstated on both my Edfinancial account as well as on my Federal Student Aid account. By XX/XX/XXXX, my original loan amount had been reinstated on both of these accounts. By XX/XX/XXXX, I had not heard anything from Edfinancial or received my refund, so I reached out asking for an update on my request. On XX/XX/XXXX, they responded and let me know that my refund request had been canceled on XX/XX/XXXX due to an incorrect address. I had updated my address in their system prior to requesting the refund to ensure that no issues arose, but there must have been an internal error that I was never made aware of so my refund request was canceled. From the time that my refund was canceled up until today ( XX/XX/XXXX ), my loan balance on both Edfinancial 's website and the FSA website never changed from the original pre-payment amount. Unless I'm misinterpreting the timeline, my refund had been canceled for over a month but my loan balance was never changed back to reflect I had made any payments. I called Edfinancial on XX/XX/XXXX to see what exactly the issue was with my refund request, and without giving me specific details as to why my address was incorrect, they resubmitted the refund request. I have since sent them an email asking for an update on where my request is in processing and a ballpark timeline on when I could expect my refund. Their response was that the request had been made and everything was dependent on the U.S. Department of Education 's timeline.
Consumer complaint received 2022-05-22
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. (FL)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : Listed as appeared on credit report- XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX AGENCY : XXXX XXXX / XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/XXXX, XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

In part my issue is resolved but not to my complete satisfaction. 

We initiated an agreement with XXXX XXXX in conjunction with Synchrony Bank for an interest-free loan on a {$4800.00} purchase in XXXX of 2019. 

As you know such contracts, when a payment is late, often contractually are allowed to begin charging interest. 

Unfortunately, such banks often make XXXX year- olds like myself a victim of their bureaucracy through arcane rules and sometimes traps for the unwary. 

Because my spouse pays bills on the XXXX Synchrony does not recognize the payment for that month because their billing cycle begins on the XXXX. 

They were fine with removing the penalties when I call in but the whole thing smelled fishy and I asked for a hard copy of the correct payment window and was told by a supervisor 'no letter exists ' which I find highly suspicious. I asked if a letter could be written and was told by a senior account manager it wouldn't happen. 

Senior citizens, I believe, are being abused by their policies every day. 

Thank you for your interest.