davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

We were given a Vanilla brand Gift card with {$500.00} on it. I activated it on the XX/XX/XXXX. We attempted to use on the XXXX of XX/XX/XXXX, and discovered it did not work. I checked the balance and found that XXXX charges on the XX/XX/XXXX XXXX for {$300.00} and XXXX for {$200.00} to XXXX XXXX # XXXX at XXXX and XXXX. I called Incomm the card issuing company on the XX/XX/XXXX. They said they would investigate. I discovered an email request for a written request form. I submitted it on XX/XX/XXXX. They replied with an acknowledgement on XX/XX/XXXX stating they had received it and would resolve it in XXXX days or less. They have not responded via the email address they gave me to use to communicate with them. XXXX emails sent on XX/XX/XXXX, XX/XX/XXXX and again today on XX/XX/XXXX. I called them on XX/XX/XXXX and XX/XX/XXXX, they have not provided me with a resolution and stated that I should call back in XXXX to XXXX hours. They are delaying and not responding to this fraud on their card. Is this endemic to this company?
Consumer complaint received 2022-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OZK (GA)

I have sent many complaints to the XXXX, Federal Reserve, and the CFPB. Today I received a call in an attempt to criminally intimidate me and coerce me into silence by the banks " security ''. This is because I used foul language and asserted my right of the first amendment to tell the criminal bank that because they stole my money they would be paying me back. These are the tactics of a rogue thug bank against freedom of speech. These are the tactics of a bank that knows they wronged me, knows they discriminated against me, knows they defrauded me to scare me... 

Please inform Bank OZK they just lost their privledge to contact me. I am a private citizen, they are not, they ignored my call as their customer. They ignored my complaints .... Now I shall do the same, if they continue to contact me, any of their agents, over the phone or email, for any reason, I will consider this criminal harassment... and frankly if this medium of complaint allowed it I would share my true and very vulgar opinion of these low lives. All further contact shall either be thru the medium of regulatory agencies or not at all. 

Here is a transcript of the message by a jackbooted thug, notice how it says there are " some issues '' with my exercising of free speech. Notice how he says he is security if I have done something wrong, then at the end the ask " I think i've got a resolution '' AKA silence, they think I will bend to their will. They are illegally attempting to intimidate and coerce me, absolutely nothing I said has " issues ''. 

If they have a problem I suggest they call law enforcement and relay my thoughts to them, I would love for them to escalate it to that level so I can sue the XXXX XXXXXXXX out of them. 

" Yeah this message is for XXXX my name is XXXX what all I'm with the bank OCK corporate security department and I saw her you found a couple complain system you got some issues with the bank and I'll talk to you about this for a minute and I think I've got a resolution for you I think we can we can get this resolved um so I really wish you would appreciate you reaching out to me at XXXX so I can talk to you for minute hopefully we get this thing resolved today so I look forward to hearing from you thank you '' I will reiterate what I said, here in the open, for all to see, I will metaphorically find a way to twist bank OZK 's greedy little fingers. THEY OWE ME MONEY. THEY WILL PAY ME WHAT THEY OWE! YOU OWE ME, YOU PAY ME. 

CALL ME AGAIN I FORWARD IT TO LAW ENFORCEMENT AND FIND SOMEONE TO PROSECUTE BANK OZK FOR THEIR REPEATED HARASSING, DISCRIMINATORY, AND ILLEGAL AND UNACCEPTABLE BEHAVOIR. 


Bank OZK will not contact me again or I will consider this criminal harassment, you have lost your right to take the easy way out.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (SC)

According to my credit card statements, I have been retroactively charged a higher interest rate on old balances. My old balances should only be charged the interest rate which was being used at the time the purchases were made. 

A 2009 law specifically bans retroactive rate increases.
Consumer complaint received 2022-10-26
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. (CA)

I XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first XXXX is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last XXXX months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. Thank you.
Consumer complaint received 2022-10-26
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. (IL)

This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.
Consumer complaint received 2017-08-18
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: EQUIFAX, INC. (CA)

I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : 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 Thank you
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in an inaccurate account. 

Im requesting to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

These accounts do not belong to me Ive been trying to figure out what these accounts are Ive never open any of these accounts Ive been calling an getting no answer these accounts are making my credit go down.
Consumer complaint received 2023-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

I am not liable for the debt from the third company hunters warfield inc. the original contract was never received. They have been unsung communication tactics and threaten to take legal action against me. I never received proper written notice from the original creditor therefore I am not liable for the debt owned from someone else to this company. I do not own this debt to hunter warfield inc. they are a third party collection violating my rights to not furnish any accounts without my consent. 


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 : # 8769128, 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reports. Unfair credit reporting can also shake people 's trust in the system. 
So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. 
These accounts are not related to any transactions made by me, the
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting this fraudulent information to my consumer reports. They are disregarding the law. They are not supposed to report information associated with identity theft unless I informed them to. I never authorized them to report this fraudulent information.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2021-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (MS)

After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
Consumer complaint received 2022-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Well Fargo has continuously taken excessive overdraft fees ( {$35.00} per overdraft ) for every time there is a charge and that typically adds up quite a bit. 

Usually I have funds within a week or less to the account but a lot of the paycheck goes to fixing overdraft fees and puts me further behind. 

This continuous effort to " catch up '' on fees is very difficult to manage and sets me back further. 

Wells Fargo has helped in the past with courtesy reversal fees but has not chosen not to help with them any longer despite the funds returning to my account shortly after. 

Current overdraft charges of {$240.00} for XXXX transactions, most of which cost less than {$35.00} each. 

This seems incredibly unreasonable considering most other companies do not charge anywhere near that.
Consumer complaint received 2022-12-08
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

I owe almost XXXX in student loans. The original balance was XXXX and when I filed for bankruptcy, I was granted deferred payment back in XXXX. Unfortunately, my employment having been on and off, the loan balance had accumulated to almost XXXX when I resumed payment in XXXX. 

I am asking for partial loan forgiveness. I am willing to pay the original XXXX. In addition, the interest rate is 9 % on the loan. I am XXXX  years of age and have to delay retirement indefinitely because I can not afford to make the payment and make a living from social security income. 

I need help. I would appreciate any advice you may have. 

Best regards, XXXX XXXX
Consumer complaint received 2022-10-26
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-26
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. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (GA)

When I checked my credit report I found hard inquiries that are fraudulent which includes XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sentry Credit, Inc. (CA)

On XX/XX/3023, I discovered an inquiry on my XXXX XXXX file from SENTRY CREDIT. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.