davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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. (GA)

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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 a 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 2023-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (NJ)

Paid with Discover More ( XXXX XXXX XXXX XXXX XXXX You'll see " XXXX XXXX '' on your card statement. 
{$260.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$250.00} Fee {$12.00} XXXX {$260.00} XXXX XXXX XXXX XXXX Sent- {$260.00} Repeat this transaction Your recipient should have the money by XX/XX/2022.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2022 at XXXXXXXX XXXX I reserved a vehicle from XXXX XXXX XXXX for XX/XX/2022 - XX/XX/2022, picking the vehicle up at XXXX, XXXX On XX/XX/2022 at XXXXXXXX XXXX  I modified the reservation to pick up the vehicle at the XXXX XXXX XXXX XXXX I received a confirmation for the modification. On XX/XX/2022 at XXXXXXXX XXXX XXXX sent me a confirmation email claiming " We look forward to seeing you today at XXXX XXXX. We've confirmed your reservation number, XXXX, and we have your car waiting for XX/XX/2022 XXXXXXXX XXXX pickup. ". At the time this email was sent I was on a flight coming into the XXXX XXXX. When I arrived at the XXXX counter the agent claimed my rental had been canceled and the location was overbooked. After showing the agent my reservation and confirmation he decided to give me a one day rental and told me to call the main office. On XX/XX/2022 I called the main office and an agent said she had rectified the situation. I asked if I needed to bring the vehicle I had back and the agent said no, return the vehicle on XX/XX/2022. On XX/XX/2022 I returned the vehicle and was billed the correct amount of {$590.00}. On XX/XX/2022 I was charged an additional {$810.00}. I filed a dispute with Navy Federal Credit Union and my initial claim was denied. I tried several times to call the XXXX XXXX XXXX XXXX, however I was rerouted to the main call center. Every agent I spoke to said the charges looked incorrect, but the XXXX XXXX branch had to take care of the issue. At that point I did not know exactly what the XXXX XXXX was claiming was the problem. I appealed Navy Federal Credit Union 's findings hoping to get more information concerning their investigation. Today, I received their response and the stated, " As stated before, we've already provided the final folio/invoice from the merchant, which we obtained indirectly from the merchant 's website using your own documentation you provided us showing your rental information. You're free to access the merchant 's website to do the same and obtain the same information we did. ". Basically, they made a decision without even speaking to the vendor. I have all my documentation, sent from XXXX XXXX XXXX, showing I should have a {$590.00} charge. The additional {$810.00} is fraudulent. Please help. Thank you in advance.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I, XXXX XXXX natural person and consumer pursuant 15 USC 1692 contacted XXXX XXXX XX/XX/2022, regarding my account giving an error message when logging in. Error message states : " Let 's Get This Worked Out you may not be able to see all of your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX ) XXXX '' I was told that there was a name error and that it will be taken care of when I send in my identification and a letter stating who I am. I was never made aware of this issue prior. I was told to take a picture with the letter and card number and social security number with ID attached. Upload to the link sent via email. It was received and I was told it takes 5-7 business days to resolve. I was then told there was an account checking open with my name. I verified it wasn't my account and then told that takes some time to call back another time. Here I am a month later XX/XX/2022 a manager then tells me I have to update my name via phone with creditwise for name change. I followed through with a lady who barely could speak english and told me it take 72 hours to update in the system. I was told my account should be all set and updated. Still the same error and XXXX XXXX has yet to respond regarding this ongoing billing error and error message. It is now XX/XX/2022 and I have yet been able to access my account. CO is liable for misrepresentation pursuant 15 USC 1692e. I the consumer should not have to worry if my private information is being mimicked without my knowledge. This is clearly fraud and XXXX XXXX should be held accountable pursuant 15 USC 1692k. I have tried resolving this matter several times and be coerced into dead ends. 

Everything I say here is true. So be it.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

To whom it may concern, I am writing in regards to my late payments on my credit report from dates XX/XX/15 for my COMMENITY Capital Bank/XXXX XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payments because it was my first year away at college. I was waiting on financial aid to come through. Now unfortunately there was an issue with receiving my aid which was not received until much later because of that I was forced to live off my small savings that I accumulated from working the summer prior. Since then, the debt has been paid off and satisfied by the creditors. I did not at the time have a real comprehension of how credit cards worked and I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. Since these mistakes I have a perfect record of on-time payments.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. 

XXXX XXXX  Account # XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-04
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. (IA)

After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Experian has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Experian not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX  - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX Equifax XXXX : XX/XX/2022 - XXXX - XXXX XXXX - New Credit Inquiry XX/XX/2022 - XXXX  - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and Equifax can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.
Consumer complaint received 2022-04-04
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: BARCLAYS BANK DELAWARE (TX)

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - BRCLYSBANKDE - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX  - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank you.
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

In XX/XX/XXXX, I cancelled all services with XXXX XXXX due to divorce filings in XX/XX/XXXX. Since that time, multiple collection agencies have bought the debt and continued to try to collect regardless of me contacting XXXX advising them of the divorce and that I was not in possession of the equipment as they were given to my soon to be ex-husband. Furthermore, it has been 7 years and should be removed. I have contacted XXXX over 10 times and to no end, they keep having debt collection companies buy it out and send requests for payment. In addition, I contracted XXXX in XX/XX/XXXX and XX/XX/XXXX for which I have become permanent XXXX following a 2 week XXXX XXXX. I would like to request that this account be permanently closed given the length as well as ongoing health conditions.
Consumer complaint received 2015-11-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (IA)

This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. 
The lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (CA)

On XX/XX/2023 I TRYED TO GET {$100.00} FROM A ATM MACHINE IT SAID BANK UNAVAILABLE THAN I SAW WISLEY CARD CHARGED ME SO I STARTED MY DISPUTE FOR {$100.00} {$3.00} BEING WHAT THEY CAHRGED TO FOR THE ATM TRANSACTION AND {$100.00} FOR THE MONEY THEY CHARGED ME BUT WASNT GIVEN TO ME AFTER WAITING I CALLED BACK XXXX XXXX AND FROM THERE TO NOW THEY HAVE BEEN TELLING ME EVERY DAY THAT THERE GON NA EXCULATE IT TO CALL BACK IN 1 TO 2 BUSINESS DAYS THATS WHAT IVE HEARD FOR A WHOLE WEEK NOW I CALL AND THEY SAID THERE CLOSING MY DISPUTE, THEY ENDED UP GIVEING ME CREDIT FOR {$3.00} AND SAID THAT THEY DID THE DISPUTE WRONG AND ONLY DISPUTED THE {$3.00} INSTEAD OF THE {$100.00} BUT STILL NEVER GAVE ME THE CREDIT FOR THE {$100.00} AND NOW THERE CLOSING MY DISPUTE WHICH IS CRAZY BECAUSE WHY WOULD U JUST CREDIT ME THE {$3.00} WHY NOT CREDIT ME MY {$100.00} SO THEY HAVE MY MONEY AND DONT PLAN ON GIVING IT BACK TO ME IVE BEEN TALKING TO SUPERVISORS AND THE SUPPORT TEAM SAME THING EVERYDAY I NEED HELP I NEED TO GET MY MONEY THEY TOOK FROM ME.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NC)

Processed a balance transfer on my new XXXX XXXX credit card, transferring funds from a wells fargo credit card. Transfer has processed on XXXX XXXX but not on wells fargo. Both banks say its the other banks responsibility. XXXX XXXX provided transaction date, transaction amount, last 4 of acct number, and billing address it went to, Wells Fargo wont accept the information from me and say XXXX XXXX has to research. I have called XXXX XXXX 2 times and Wells Fargo 3 times on recorded lines. Calls took place on XX/XX/ between XXXX and XXXX
Consumer complaint received 2022-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Inaccurate criminal information on my credit report. I was denied a place of residence because of this. I never had a felony charge on my record. Im not a felon.
Consumer complaint received 2021-02-16
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. (KY)

On of approximately around XX/XX/2020, I XXXX XXXX XXXX contacted XXXX XXXX and TransUnion in reference to information reporting inaccurately especially when it is being furnished by a third party instead of the actual furnisher. I have made contact with the United States Bankruptcy Court in reference to my concerns as to did they furnish this information to the credit bureaus. They clearly informed me that they do not furnish information to the bureaus. The problem is, this information is not accurate. The court itself did not furnish any of this information to the credit bureaus. Also, the court does not furnish this information to third parties either. Providing false information as to who furnished information is a violation of the Fair Credit Reporting Act for reporting false information. I have provided documentation of proof that the courts do not verify the information directly with the credit reporting agencies. XXXX has already done its due diligence by removing this inaccurately reporting information from my records.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Collection Services, Inc. (Nevada) (AZ)

Allied Collection Services received a certified letter in the mail asking for validation of debt. In response Allied Collection Services sent a statement without validating or providing enough information for myself to validate and verify the information. I have no idea what this bill is for, I do n't recognize this bill, I do n't have enough information provided. Per HIPAA I have the right to the breakdown of fees including any collection cost and medical charges. I am supposed to be provided with a copy of my signature with the provider of services that is allowing them to release medical information to Allied. I have not received anything outside of the attached statement.
Consumer complaint received 2022-04-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IN)

I was contacted in XXXX 2019 to pay {$220.00} on a {$300.00} credit limit because the card had been closed. 

I paid the amount and it was still sent to collection as a charge off in XX/XX/2019. 

I have contacted Synchorony Bank and the collection agency and it has not been updated
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

Hello- This is relating to a mortgage that I have with Quicken Loan. My insurance company federated national dropped the ball on XX/XX/2020 because they were unable to inspect my property. On account of Covid, its a difficult situation to get the home inspected. They couldn't co-ordinate the date of inspection so federated national decided not to issue me an insurance. Upon receiving a letter from the Lender QL, i decided to shop for alternate insurance providers. Post which i was able to procure the new insurance starting XXXX of XX/XX/2020. Now both my prior insurance company XXXX XXXX and the new insurance company XXXX are not willing to cover for the gap days between XX/XX/XXXX and XX/XX/2020. 

The Lender has the provision to cover the gap from XX/XX/XXXX to XX/XX/2020. So I had a telephonic conversation with QL on XX/XX/2020 to take out the money for the gap days which is about {$79.00} and close on the insurance. Per QL they will send me 3 notices before they can use my escrow money to cover for gap days. Which amounts to about 60 plus days post which they will cover me for the gap days. This is a bit weird. They are sending me notices for the gap days, while I'm willing to pay the amount and get over with it. Per QL this is the process that they follow.