davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (MO)

XXXX XXXX and XXXX XXXX allowed someone to apply for a loan while my credit was frozen at the credit bureaus due to existing fraudulent transactions. Velocity Investments purchased this loan and notified me via phone and through the mail months after the debt was sold. XXXX won't take the fraudulent loan back and Velocity Investments wants me to pay the loan back stating that I have no rights for arbitration, disputes, and I am unable to seek punitive damages based upon an agreement I never signed.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Horrible experience when calling customer service to report my debit card lost I was sent a debit card that is not contactless tap pay technology when I called them to notify how come the debit card I received is not they act like they dont know what Im talking about and said contactless is not available so then it doesnt make sense how come my previous card was contactless and had the feature to tap pay when making a purchase and now when Im requesting a new one its not because I lost it and they tell me its not upon customer request this is horrible its not fair
Consumer complaint received 2018-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2018 I checked the chase Mobil site for and update on my balance. On the site there are 2 balances shown one is a present balance the other is an available balance. I had an available balance of almost XXXX so I used my debit card. The next day I checked my balance again and I had a negative balance totaling XXXX. I got charged XXXX four different times for insufficient funds. I have called the customer support center twice both times representative was not helpful at all. They will not take the charges off because I reached the limit for reversals I tried to close the account down because of this they won't close it. I have no problem paying for the purchases I did make but I told them I am not paying the 4 overdraft charges because i had a positive balance when I used my card. Chase Bank is the worst bank to choose to have an account with ever since the first month I had my account I've had nothing but problems with them
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (VA)

XXXX XXXX agreed to delete from credit report. They claim to only report negatively to XXXX and agreed to delete. When credit report was pulled it was also reported negatively to XXXX. I knew which they never mentioned it was. I would like for them to delete it from XXXX  as well. As my first claim asked for it to be deleted from all credit bureaus.
Consumer complaint received 2021-02-21
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. (NY)

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX, XXXX, XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of 2020, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (LA)

The correspondence began on Thursday, XX/XX/2020 when a relative contacted me stating that a XXXX XXXX from " ERC '' called them on their personal number about a " personal matter '' for me. The relative disclosed that they were not me and that, that was the incorrect contact for me. XXXX XXXX left a call back number. 

When I received this phone call from my relative I was puzzled as to what " ERC '' even was. Upon a XXXX investigation I discovered that " ERC '' was a debt collection agency. The relative has received more calls since then. 

This contact information was never used in the past or currently for me. 

On this morning, Thursday, XX/XX/2020, I received notification from XXXX  that a {$300.00} collection from " Enhanced Recovery CO L '' was added to my file. I'm assuming this is the same " ERC '' that contacted my relative on their personal number. 

I've done further investigation and concluded that this debt was from an old collection with XXXX that was removed from all 3 bureaus in XXXX of XX/XX/XXXX. It has now returned, but under a different agency. 

I've attached the screenshot of how it appears on my report. On my report, there is a contact number listed, but upon calling the number it is disconnected. Another inaccuracy. I finally found a working contact number, called the company to try to gain insight on why they are now reporting this on my file and the representative was highly unprofessional and constantly asked for my Social Security Number,  which I did not feel comfortable providing. 

I am asking that this information be disputed and removed as I am in the process of buying a home and it is hindering my progress and credit worthiness.
Consumer complaint received 2023-01-27
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: CITIBANK, N.A. (IL)

I opened an account with CITI in late XXXX to use as debt consolidation because of a XXXX no interest promo. I balance transferred a card into the CITI card and made a few purchases early XXXX, set up auto pay, and left it. I was severely injured and spent the better part of the last few years in and out of the hospital and recovering from surgeries. In XXXX I noticed I had a cash advance interest fee on my account, I contacted and tried to resolve, got nowhere. They passed me around to different people, nobody could tell me what it was from, they just said they will send me my statements ( there was nothing on my digital statements ). I was moving and having major XXXX again, so I left it on the back burner. I am now trying to piece my life back together and get out of debt, and once again they can not tell me what the 30 % fee is from, they insist I used an atm to take money out. I am 10000 % sure I did not and have never done so in my entire life. I requested statements again, and never received them, they are unwilling to investigate this further because it's an older charge, my payments are getting consumed by interest, so my balance isn't decreasing, and the remedy I was offered was to pay off entire balance to get the adv fee removed. I can not afford the hit on my credit, so I am being forced to pay this charge and 4 years of interest fees for a cash advance i never took out, they cant even tell me anything regarding the transaction or if it was an error. This is absolutely ludicrous, and I will never in my entire life deal with CITI again.
Consumer complaint received 2022-10-06
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. (TN)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the 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 a account without my written instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number XXXX
Consumer complaint received 2022-08-05
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. (MD)

In accordance with the Fair Credit Reporting act # 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 a account without my written instructions
Consumer complaint received 2024-05-07
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. (TX)

In adherence to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is paramount to ensure that consumer reporting agencies fulfill their obligations with fairness, impartiality, and utmost respect for consumers ' privacy rights. Equifax and XXXX, being consumer reporting agencies, are obligated to adhere to these standards. As a consumer, I emphasize my right to safeguard my private information, as reinforced by 15 USC 6801, which underscores financial institutions ' duty to respect customer privacy. 

Under 15 USC 1681, section 604a ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports with explicit, written consent from the concerned consumer. Neither the financial institution nor Equifax and XXXX have sought my consent to share this information, thus nullifying any implied or assumed consent. Additionally, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this scenario. 

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX, is being reported without my consent, constituting a violation of the law. 

Considering the aforementioned infringements, and in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, Equifax and XXXX are obligated to maintain accurate information and implement reasonable procedures to prevent violations, duties they are currently neglecting. 

Therefore, in accordance with 12 CFR 1016.7 and my rights as a consumer, I hereby assert my right to opt out of your reporting services.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK (CA)

Hi, I called Discover bank customer service, and put a stop payment on a {$540.00} check on XX/XX/XXXX, the agent assured that after this stop payment, the check would not be able to be cashed anymore. 
But the check was still cashed on XX/XX/XXXX, it turns out that the agent made some mistakes when inputing the stop payment order. I called customer service and they admitted that it's human error on their end, but there is no way they can help me and I have to just take the loss.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (CA)

XX/XX/2018 discovered an unknown collection acct on my credit from XXXX. Filed dispute. XX/XX/18 recieved collection notice from them in the amount of {$460.00} responded with notice on XX/XX/18 via fax. Further disputed alleged acct and requested specific records. 
XX/XX/18 XXXX responded with another letter they typed themselfs without supplying any proof from creditor. I have no contract, equipment nor do I owe any alleged amount as they claim. XXXX services will not speak to me. XX/XX/18 i sent XXXX another letter demanding removal of the inaccurate, unverifiable acct. Im incuring damages and drop in credit score. Please help me
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting payments late for the time period of XX/XX/XXXX - XX/XX/XXXX but I had been approved for deferment during that time period by XXXX XXXX.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

I recently created a Venmo account and had my friends send me some money for a utility bill. Venmo then froze my account. I then contacted th and they told me the account was now permanently described and they will be holding my money for 180 days. I just want to get my money out of the account into my bank account.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

Ive noticed a lot of unauthorized unverted inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.
Consumer complaint received 2023-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NV)

The name of the school is XXXX XXXX ( XXXX ) and not XXXX XXXX but that was the closest name on the list. I wrote to CFPB and they stated to write to FAFSA regarding the matter of School Borrower Defense. However, I reached out to FAFSA Ombudsman regarding a pending matter to get the debt dropped due to embezzlement and non job placement. Which is why the school closed. However, FAFSA reached out and told me that Navient would contact me regarding this matter.

Navient has reached out with a message through my account promoting ways to pay back the loan. But they still choose not to address the issue regarding School Borrower Defense that I filled out with FAFSA. Regarding dropping the debt due to embezzlement and non job placement in which this is the reason why the school closed in the first place.

I do not understand why FAFSA chooses not to address this issue either because I filled out the School Borrower Defense forms with them. Instead they're putting the ball back into Navient court while knowing the truth as to why the school closed down. Both parties are ignoring the situation and I need for CFPB to step up and help me get this loan dropped due to fraud. 

I would like for Navient to acknowledge and answer me regarding the well publicized issue in the media, with both XXXX XXXX located in XXXX XXXX and XXXX, CA. And drop the loan according to the charges of embezzlement, fraud and non job placement.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MI)

Caine & Weiner has violated my Federally Protected rights under the Fair Debt Collection Practice Act. They are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. I was never obligated nor responsible to pay an 3rd party debt collector. They failed to provide documentation and to let me validate the alleged debt before furnishing the tradeline. Caine & Weiner are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. You are now on Notice to Cease Communications from me from all mediums as stated in my attachment.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

Complaint : very, very poor customer service response to simple request to change date of automatic payment I am a XXXX-year old Senior lady on fixed income who is unable to pay the monthly charges on Chevron-Texaco credit card # XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX due to unexpected expenses. The name on the card is XXXX XXXX XXXX. After conversation with a lady Customer Service Representative named " XXXX on XXXX XXXX, XXXX, '' we both decided to close the account and I would repay the Statement Balance : {$7500.00} in monthly payments of {$130.00} from my checking account, due on the XXXX of the month until paid in full ( about 60 months ). My daughter, XXXX XXXX XXXX, will share the payments as she was a user of the card, splitting the monthly bills. 

As it would be easier in planning a monthly budget, I decided to change the payment date from the XXXX to the XXXX of the month. Today, XXXX XXXX, XXXX at around XXXX XXXX XXXXXXXX XXXX time I called Chevron-Texaco at XXXX XXXX ) XXXX and got a female-voiced robot that had trouble understanding me when I asked to speak to an " agent '' " representative, '' " human being, '' etc. The only way I could get the robot to connect me to a person was to use some bad words. 

The robot connected me to a woman who gave me her name which I forgot to note. She had a foreign accent and was working from home as I could hear a dog barking in the background. I asked her to change the payment date from the XXXX to the XXXX and she was only able to change it for XXXX. Apparently, XXXX XXXX XXXX XXXX was NOT her first or XXXX  language and even though I made my request very clear, she failed to comply with my wishes, blaming the " system '' as a phony excuse. I am sorry to say, I was not very polite to her because I was angry that instead of trying to fix the problem, she gave me excuses instead. She had the nerve to tell me to " call tomorrow '' when I was within the time Customer Service is available on week days ( XXXX XXXX. to XXXX XXXX XXXX ). I ended the call by hanging up. 

I feel I have a legitimate complaint against Chevron-Texaco customer service because : 1. ) A non-human robot continuously ignored and interrupted me, refusing to understand my request to speak with a person until I used bad language. 
2. ) When finally connected to a person, I got an individual who used one excuse after another to explain why she could not make a simple change. I am not asking for a reduction in payment, but just a change for the automatic withdrawal from the XXXX to the XXXX of each month. 

If you wish more information, please call me at ( XXXX ) XXXX and follow the instructions of my phone robot ( placed on the phone as I was getting up to 10 junk calls a day ).
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (AL)

Got a loan from tower loan. Been struggling to pay. They wont work with us, but are harassing us, our family, friends, coworkers. Threatening, hostility, aggressive, dishonestly, screaming at me, accusing me of actual physical things that I did not do, stalking me, definitely, please call me.
Consumer complaint received 2022-04-04
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. (DE)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) {$5600.00} XX/XX/2019 has violated my rights. 15 U.S.C1681 section 602A. States I have the right to privacy 15 U.S.C 1681section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions