davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (FL)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

There are 3 collections reporting on my credit that do no belong to me I have ID theft, I have sent numerous letters to the collection agency and the credit bureaus and they have not removed them. 
SEQ FIN SVCS/XXXX XXXX  XXXX XXXX XXXX XXXX ) COLL ( {$4300.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) COLL ( {$440.00} ) XX/XX/XXXX XXXX XXXX SEQ FIN SVCS/XXXX XXXX XXXXXXXX XXXX ( XXXX ) COLL ( {$760.00} ) XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-05-17
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. (SC)

On XX/XX/2022 I notified Experian that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided Experian with my written consent to furnish this information on my consumer report XXXX XXXX XXXX XXXX. With that being said Experian is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-10-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I bought concert tickets by credit card on XXXX XXXX XXXX and they refuse to refund right after I paid. The XXXX claimed that when purchasing, I have accepted the terms that the tickets are non-refundable. However, I never signed a document to agree that. I went through the buying process again and there's nowhere that I need to check to agree the terms. 

XXXX has bad record on CFPB website. Obviously, they still did not follow below two requirement. 
XXXX XXXX XXXX  - The defendants must affirmatively disclose that : their websites are resale marketplaces and not venues or box offices ; the ticket price may exceed the tickets face value ; and the website is not owned by the venue, sports team, performer, or promoter ; - XXXX must require all partners to sign written contracts promising to adhere to the order, and must take disciplinary action when partners violate the order and appropriately handle consumer complaints about venue confusion ; and Therefore, I dispute this transaction from Bank of America XXXX However, BOA said they could not pursue my dispute further because : - We're unable to obtain credit ( s ) for a service, or delivery of merchandise, that's scheduled to occur at a future date. Please contact us if the merchant fails to perform the service ( s ), or deliver the merchandise, after the scheduled timeframe ( s ) has elapsed. If available, please provide documentation from the merchant to support that they have no intention of rendering the service or delivering the merchandise in the future. 
- We understand you weren't satisfied with the quality of the service the merchant provided ; however, the merchant has the right to request payment for any services that were rendered. 

Since the event is not coming yet, I believe I had the right to return the ticket at the time I bought the ticket ( which hadn't been sold and the transaction hadn't completed ).
Consumer complaint received 2023-07-19
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX, XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX {$7500.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an American Express XXXX credit card on XX/XX/XXXX with a welcome bonus offer stipulating : [ I ] must charge {$5000.00} ( the " Threshold Amount '' ) of eligible purchases on the XXXX XXXX  from American Express within the first 6 months of Card Membership to earn the XXXX points starting from the date [ my ] account is approved. According to the chat feature with representative XXXX on XX/XX/XXXX, " [ I ] have time till XX/XX/XXXX '' to incur the minimum spending in order to receive the welcome bonus ( XXXX points ). 

According to a spend report generated through AmEx ( attached summary and individual purchase descriptions ), I spent {$5900.00} during the relevant period of time ; however, {$550.00} of this was the annual fee, which is an ineligible purchase. I have in writing that " Eligible purchases are purchases for goods and services minus returns and other credits and do NOT include : fees or interest charges ; purchases of travelers checks ; purchases or reloading of prepaid cards ; purchases of gift cards ; person-to-person payments ; or purchases of other cash equivalents. This applies to all of my card purchases except for the annual fee, so the result is {$5300.00} of eligible purchases in the first six months of membership. Yet nearly a year after opening my account, I have not received the welcome bonus.

Via the chat function, I inquired about my lack of bonus a few months after having met the minimum spend. A representative told me to wait a bit longer for it to post to my account, so I continued until XXXX or so. At that point, still not having received the welcome bonus, a representative manually computed themselves whether or not I had met the criteria : they affirmed that I had! They opened up an internal " investigation '' to amend the matter. A few weeks later after checking back multiple times, I was told rather brusquely that I had not met the required spending. Their investigation claimed I had spent only {$4200.00} in eligible purchases, but they refused to give any further details ( i.e. noting major purchases which were misunderstood as ineligible, etc. ) or anything to explain the > {$1100.00} discrepancy. They refused to re-open the investigation, release a list of purchases deemed ineligible, or give any sense of transparency to the determination.
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (GA)

RE : To whom it may concern Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains you received a certified letter on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I received a response stating the account ( XXXX ) were verified on XX/XX/XXXX. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me with ALL the information used for your investigation, as required by RCEA 611 ( a ) ( 7 ). 
Discover # XXXX FCRA 611 you are required to provide this informations within in 15 days or delete the negative from my credit report. XXXX is denid me from disputing my own credit report. They have block my own dispute letters.
Consumer complaint received 2021-10-28
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)

I wrote a validation of debt letter on XX/XX/XXXX it had been 60 days and I still haven't received a response for XXXX  or Equifax. They have violated my rights under the FCRA.
Consumer complaint received 2021-10-28
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-05-17
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)

I filed a dispute with the Credit Bureaus requesting Deletion of student loan account ( XXXX XXXX ) account # XXXX due to several inaccuracies that is being reported between each credit bureau XXXX I submitted my credit report and highlighted each item that was inconsistent. Approximately a month later I received notification from the bureaus that the account had just been updated. I printed my new report to find that the account ( XXXX XXXX ) still read incorrect information. The bureaus stated that the XXXX XXXX XXXX Account was properly investigated, but how is that possible when the account status dates are inaccurate, the date opened is inaccurate, date last reported is inaccurate, comments, and date last active is inaccurate. This is grounds for the account to be removed. 

The credit bureaus violated my rights under 15 USC 1681 section 604A section 2 : which the law clearly states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes. In this case I was never notified of receipt of my dispute.

The bureaus also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states that if items are found inaccurate or can not be verified the consumer agency reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (OK)

I received an email from Fed loan approximately 4 weeks ago my XXXX loan was transferred to Oklahoma XXXX Heartland ECSI. For the last for 4 weeks, I tried to work with XXXX XXXX department, I had set up a payment plan with XXXX XXXX to make {$70.00} a month for all my loan based on my check stubs and size of my family and my XXXX son who is XXXX. But XXXX XXXX transfer my account to ECSI. I never received any thing from XXXX or ECSI. They notified me by my credit they put a large amount on my credit. I contacted they, filled out an economic hardship deferment, sent them documents of my paycheck stub, which is only {$2000.00} a month, and sent them documents of my XXXX son and he takes half of my income. I set up a payment plan with them, but they denied my application and payment plan {$50.00} a month, and they say even though I make {$50.00} a month they will continue to put it on my credit with interest till it is paid off.
Consumer complaint received 2022-10-27
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. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

on the XX/XX/2019 I went to the wells fargo XXXX XXXX XXXX XXXX XXXX  florida XXXX and requested to withdraw {$250.00} from the ATM, which I never received, next I call the customer service and put the claim number XXXX, I told them to revise the footage because I never received the money, they gave me a provisional credit, then on the XX/XX/2019 they denied the claim and debit the money from my account saying that there was not a misdispense on the ATM, that I took the money after 29 seconds, I never took the money and that's why I insisted to check the footage, I don't know if It took longer that normally does and when the money came out the car behind me took it. I'm a very honest person and I have never had any ATM claims with them in the past
Consumer complaint received 2022-10-27
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. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2022-05-17
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. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX {$0.00} Equifax : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX : XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance XXXX {$19000.00}
Consumer complaint received 2022-05-17
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. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX Balance XXXX {$19000.00} XXXX  XXXX XXXX Balance : {$460.00} TransUnion : XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance XXXX {$19000.00}
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (NY)

XXXX/XXXX/22 XXXX XXXX XXXX LVNV FUNDING LLC RE : We have disputed this account.
Consumer complaint received 2022-05-17
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. (AR)

The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the date last active is inaccurate, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also violated my rights under 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 account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose...
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I paid XXXX Servicing, {$100.00} for an appraisal in XX/XX/XXXX, for a PMI removal, my loan was then transferred to Select Portfolio Servicing, in XX/XX/XXXX, I have been trying remove PMI since XX/XX/XXXX with SPS, however SPS is requesting I pay for another appraisal, I already paid XXXX an appraisal, I do n't under why I have to pay for another XXXX. I sent in proof that I paid for an appraisal.