davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I am writing to express my extreme dissatisfaction with the lack of response from your company regarding the disputes I have submitted for inaccurate information on my credit report. Despite sending disputes to XXXX, Equifax, and XXXX detailing the errors and violations of my consumer rights, I have received no resolution or acknowledgment from your end. 

It has now been well over 30 days since I submitted my disputes, and your company has blatantly failed to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Specifically, you are in violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as disputed, as well as FCRA 605 ( c ) by running the reporting period despite inaccurate information being present on the account. 

Furthermore, your failure to validate the collection account in question constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

Attached to this letter are copies of all the dispute letters I have sent previously, clearly outlining the inaccuracies and violations present on my credit report. 

I demand that immediate action be taken to rectify these issues and ensure that my consumer rights are upheld. Failure to do so will leave me no choice but to escalate this matter further, including seeking legal counsel and filing formal complaints with the appropriate regulatory bodies. 

I expect a prompt response and resolution to this matter within [ insert timeframe ]. Your cooperation in this regard is greatly appreciated.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OH)

My XXXX XXXX XXXX credit card serviced by XXXX XXXX XXXX continues to charge foreign transaction fees for purchases made in US dollars on US sites. On at least 5 occasions they charged fees of {$0.00}, {$2.00}, {$0.00}, {$1.00}, and {$1.00} ( a percentage of transaction ) for transactions they did not have to convert to USD to post to my account. The transactions were completed and processed in US Dollars. One of the transactions was even for a in store pick up transaction in Ohio. The explanation given by customer service is that they use the company 's base as a definition of a foreign transaction and expect a customer to know where the base is located. This feels like a deceptive process. No purchase was made in another country or shipped from another country. No currency conversion has taken place. The transaction is in US Dollars.
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR HAVE I SIGNED MY SIGNATURE ON THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE FRAUDULENT ITEMS REMOVED FROM MY FILE AS A POSSIBLE.
Consumer complaint received 2018-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got into contact with XXXX XXXX later changed her name to XXXX XXXX on XXXX. She said she would transfer me {$130.00} to my Bank of America checkin account so i gave her my account number. But accidentally she sent {$1300.00} and asked me to send the difference back which was {$1100.00}. But later i realized the money she had sent me was not done by her but it was actually a temporary credit given to me by the bank. I went to bank but the manager said that don't worry about it the bank has given you temporary credit.She also said just the account number will not harm my account. But i wasn't satisfied with her response so i called the customer service to ask them what temporary credit was and why was there a claim number on the {$1300.00} amount because i didn't file any claim. They were of least help to me. Now i have got a letter from the bank stating that they will withdraw {$1300.00} back. I don't know how that person called on my behalf and asked for the temporary credit without having my credentials. I don't understand this loophole of the bank. They are asking to pay {$1300.00} which i didn't ask for. I really don't understand what's happening here. The customer service won't listen to my problem as according to them they sent a One Time Password to registered number to authenticate that person but they won't tell me the what number it was. But i am sure the only number that is linked to my account is my number and I didn't get any One Time Password on my number. Bank of America is not reliable at all. This is the case of identity theft as well or maybe bank didn't authorize the other person accurately and gave the temporary credit without any serious authentication.
Consumer complaint received 2018-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have made payments from XX/XX/XXXX to XX/XX/XXXX under the Public Loan Forgiveness Program and my employment certification was accepted by XXXX from XX/XX/XXXX to XX/XX/XXXX. The qualifying payments should reflect 34, instead i was given credit for Qualifying payments of 13. When I requested for these payments to be reviewed in XX/XX/XXXX with XXXX 's PLSF team, i was told it will take 60-120 days to receive a result. However till today ( XX/XX/XXXX ) I have not received any resolution. I filed a complaint with Student Aid and they just forwarded the request to XXXX who are still giving me no relevant information. I have requested a letter that itemizes all the payments that were considered qualifying towards the PLSF program and the ones that were not categorized as satisfactory and why. In addition, i requested information as to what I can do to dispute these unsatisfactory payments as i was never informed that i was paying " ahead of schedule '' by having it debited from my checking account which was set up by XXXX itself. I was told that i can only file a complaint and because the payments are under review ( since XX/XX/XXXX ), there us not much they can do as XXXX PLSF team is backlogged. 

The Qualifying payments thus far from XX/XX/XXXX to XX/XX/XXXX has been for 13 payments only. The following monthly payments are under review and I would like help in getting the following months to be considered eligible/qualifying payments towards the 120 payments required to complete the PLSF program. 

Payments i would like resolution on were made on the following dates : payments made to XXXX XXXX and XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FM)

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact Experian, XXXX and XXXX   via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FM)

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, XXXX  and Transunion via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This company purchased an overdue account, credit card, and changed the date of opening to the date they purchased it, Opened XX/XX/XXXX ( 3 yrs, 2 mos ). XXXX account went delinquent several years earlier ,XX/XX/XXXX, and would have been off my record in XX/XX/XXXX like other circumstances. This show up on XXXX XXXX as, You've paid off 0 % of your collection amount. 
Balance {$8400.00}
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF THE WEST (CA)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to establish an account with XXXX XXXX. While reviewing his credit reports he found an account from XXXX with Bank of the West ( BOW ). In an effort to obtain information about this account an official debt validation letter was mailed to BOW XX/XX/XXXX, certified mail with return receipt XXXX XXXX XXXX XXXX XXXX and was delivered to BOW and signed for XX/XX/XXXX at XXXX XXXX. XXXX never sent a reply or any account disclosure information to my client concerning the reported account. A credit report obtained XX/XX/XXXX shows the BOW account stuill being reported to XXXX and XXXX. This action is a violation of both FCRA and FDCPA consumer law by BOW.
Consumer complaint received 2018-09-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

i opened account in TD Bank online, because they offer {$300.00} for this. after i meet all criteria they did not post money on it. i contacted them and bank assured me, that money will be posted within 60-90 days. after 90 days of using my money ( it was serious amount! ) bank did not give me my {$300.00}. i contacted them and they told me, that i am not eligible for it, because i already had an account with them/. 
on my request to prove it, they promised to send me a letter. letter never received, because account never been opened. 
i want you investigate business of this bank, return me my money and stop theyr business in XXXX, as fraudulent.
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (UT)

I was in the hospital for XXXX in XXXX of XXXX. I've been trying to get XXXX to pay for this care. It is now XXXX of XXXX. The CBE group called my house and would not tell me who they were or the nature of the call until I gave my name and date of birth. Their phone number is XXXX. At present, I have 2 inspector general complaints to XXXX to pay these bills. I've resubmitted the bills for payment XXXX times-nothing has been done. Now this CBE group calls me!
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

My funds are on hold with us bank ReliaCard after verifying my Identification over 5 times. I verified my identity with unemployment and now I have to continue to wait until they get around to verifying me. I submitted my identification again today and again they told me to wait 3-5 business days. Im going to be homeless if this continues. This is my last resort please help
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FM)

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, Equifax and XXXX   via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.
Consumer complaint received 2018-09-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (MS)

I took out 2 checks in the amount of {$240.00} each, I paid them both back twice, borrowing the same amount each time. I could not pay them back and I have been asking repeatedly and told by customer service that if I waited that I could set up a payment plan through collections but instead the company is calling my friends, and even my spouse who was not on the referrals list so they should not contact him at all.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I signed up an Amex XXXX  XXXX credit card with a welcome bonus of XXXX MR poitns after spending {$6000.00} within 6 months plus 10X restaurant MR bonus. However, recently an AMEX representative declined my welcome offer stating that, they popped up a warning window during my application saying 'based on my history of AMEX , I am not eligible for the welcome offer. And because I proceeded with the application, they now decline my welcome bonus offer. I am disputing this for the following reasons : 1. I did not see such a warning popped up during my application! I am aware of AMEX rule about the popup window, but I did not see it. It may be the system 's error that did not popped the warning. 2. I have a good history with AMEX. I have a lot of organic spending using AMEX cards, and I have never closed a single AMEX card. I don't understand why AMEX claimed my history was bad so they do not offer the welcome bonus offer to me.
Consumer complaint received 2018-09-03
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. (IL)

Have a fraud report number XXXX. Involving XXXX   account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX XXXX. Removed by other CRA s. Review Documentation, fraud accounts must be removed ASAP according to FCRA guidelines.
Consumer complaint received 2018-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (TX)

A wedding ban was purchased XX/XX/XXXX from XXXX XXXX, first biweekly payment made XX/XX/XXXX. Final payment made XX/XX/XXXX. Credit report pulled last summer which shows inaccurate information being reported. Identity theft has been filed, fraud alert placed with all 3 credit agencies. Deletion report came back and has been attached. A few months ago my ex received a visit from a woman exposing XXXX XXXX as the company and inform my ex of a judgement being placed. Just last month, a woman approach another address looking for unknown female. She was advise, person doesnt live at this address. She came back on another occasion and approached an ex inside a vehicle asking for the same person again. She returned and reached the homeowner who threaten to call the cops if she comes by again for harassment. The security cameras shows the woman came back again, ring the door bell and taped a letter/note on the door and left. Home owner comes home from work to a letter stating all personal credit information for someone who doesnt live in the home. The information got expose amongst the entire family because he brought concerns that I was unaware of. This information has been posted on social media as well. My consumer rights has been violated by this debt company. XXXX XXXX XXXX, Sterling Jeweler and XXXX XXXX has violated the FDCPA. Ive been accused of a purchase I didnt make. Ive attached proof of purchase that was made and payments made to pay off. Ive attached deletion from XXXX XXXX   and other companies from the identity theft. Ive suffered a huge embarrassment with this false exposure when Ive followed the steps of identity theft.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I have filed numerous disputes over the past several years. Equifax continues to report a bankruptcy XXXX US Bankruptcy court XXXX CA on my file. I have provided documentation from the court that appears on my file. I have contacted the supplier of this information given to me by Equifax. The bottom line is Equifax is the only credit bureau reporting this inaccurate unverifiable public record. I have complained to the so-called provider about this information and have been told they have not verified or supplied Equifax with this information. Equifax has reported this inaccurate data on my file for over 7 years without any facts. I have asked them to supply me with a copy of the public record but they refuse. This inaccurate information has affected me financially. I have not been able to get the best rates on financial loans or credits. I have been denied because of this inaccurate information. I am not able to achieve home ownership because of the effect it has on my credit score. The FCRA states that disputed items be verified. If XXXX XXXX states they have not verified or provided any information. If the alleged court does not provide information directly to Equifax, how can it put this on my file but provide no factual proof? This is in violation of the FCRA. This is unethical and spiteful behavior by a company that is supposed to be a furnisher of truthful and accurate information.
Consumer complaint received 2022-07-25
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-09-03
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)

Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and equafax refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX INFO SVCS Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX  ID Report EQUIFAX Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/EQUIFAX ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX  Promotional Inquiry
Consumer complaint received 2018-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed my credit report numerous times. There is a bankruptcy reported on my Transunion report. This is inaccurate. XXXX has deleted the inaccurate report. I will provide proof that the credit bureau Transunion and XXXX XXXX are reporting inaccurate information