davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Unfortunately this is likely moot at this point however I received approximately {$1300.00} of AMEX gift cards for XXXX of XXXX and i used some but retained a good portion of one to utilize for my birthday in XX/XX/XXXX. There was almost {$300.00} remaining on one of the {$500.00} cards which i attempted to use at XXXX 's XXXX XXXX in XXXX XXXX XXXX and come to find out the balance was stolen. Needless to say i was more than embarrassed and used my own CC to pay for the meal. I contacted AMEX as soon as i returned home and was advised that they don't replace or refund gift cards! I couldn't believe what i was hearing but the rep wouldn't even take a complaint or report. I was disgusted but never pursued the incident further but did write a scathing review online. My son just found on the XXXX XXXXXXXX XXXX site that there is a {$30.00} refund for an AMEX gift card, purportedly the one I've referred to. I no longer have the cards because I trashed them after AMEX gave no satisfaction however now I would like to lodge a formal complaint. My friend would have been mortified to find the gift he generously gave was unable to be utilized so I never even told him but in the event AMEX does ask you his name is XXXX XXXX XXXX. Please let AMEX know that as a supposedly reputable company they should stand behind the products they sell.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Pulled up a copy of my credit report and seen there were some accounts that are not mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX I XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

Chase Bank is reporting a multiple late notations for 2020 and I ask that they be removed. Due to Covid 19 and the unforeseen events I was severely financially impacted. My employer lost significant amounts of work and I was lucky enough to keep my job with hours being cut. I have done my best to remain current but really have had a hard time. I ask that Chase Bank please makes some goodwill adjustments for my 2020 lates.
Consumer complaint received 2022-01-08
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX
Consumer complaint received 2021-09-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (AL)

XXXX XXXX XXXXXXXX XXXX intuition in XXXX XXXX flordia approved a loan application with me as a primary student. I have not attend this school. I have contacted the school along with navient. I have produced documentary to show this error however I cant get this resolved. I need to be removed from the student loan obligation.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (IL)

On XXXX XXXX I used my Ally debit card to make an online purchase with a merchant XXXX XXXX XXXXXXXX in the amount of {$270.00} via XXXX. My Ally card was charged {$270.00}. The order was shipped and delivered ahead of the original estimated delivery time and was delivered on XX/XX/2023 via XXXX. Unfortunately, the order was delivered to the wrong location and I did not receive anything. XXXX stated that since the merchant didnt request a signature they have the free will to leave packages where they want. They also marked the package as lost and advised me to request the shipper to file a claim. The merchant has failed to do so, and is unwilling to provide any assistance. They also stopped responding to my emails. In XXXX I decided to file a dispute with Ally Bank an allow them to take over and protect me as one of their consumers. I provided ample evidence to prove my case, the merchant failed to respond to Ally regarding the transaction and sadly Ally Bank denied my claim. They advised me to contact the merchant. Ally has failed to provide me any assistance, they have violated my rights as a consumer, they wont allow me to speak with anyone in the disputes department, ignored my secured messages Ive sent to them on their platform, and allowed a merchant to rip me off out of my money. A dispute shouldnt be denied because a merchant is flagrantly violating the terms of the agreement and/ignoring the banks request. It is illegal for a bank to handle a claim in such a manner.
Consumer complaint received 2022-01-08
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NJ)

After the breach at Equifax, I signed up for free credit monitoring offered by Equifax. I received two emails from Equifax to complete this registration. The link on both emails was invalid so I call Equifax direct. They started asking me for my social security, mortgage company and monthly payment. I told them that I was not about to give this information over the phone especially after the security breach. I asked if I could do this online, they said " No ''. I asked if they could send me something in the mail, they said " No ''. I asked if I could speak to a Supervisor, they said no one was available. This is unacceptable especially after the breach of personal and private information. Equifax first of all should not be sending multiple emails with links that do not work, they should not be asking me for my social security number or other private information over the phone. I can not verify to whom I was speaking, how do I know that the number I called is actually Equifax - perhaps their phones were breached as well. Equifax has to make this credit monitoring " final step '' more professional and safe for us consumers that had their personal information breached.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV INC. (OK)

Hello, I am having issues with my EIP prepaid debit card issued by XXXX XXXX/Money Network for my COVID stimulus payment. I am attempting to transfer my money from the card to my checking account. I started a transfer ( {$1000.00} ) using the My MN app on XX/XX/20. All information that I can find through XXXX XXXXMoney Network says that transfers should be complete in 2-3 business days. My transfer has yet to show up in my checking account, even as a pending transaction ( as of XX/XX/20 ). I have attempted to contact XXXX XXXXMoney Network to check the status of my transfer and to see if their were any issues that I needed to correct on my end through their customer service line ( XXXX ). This line is the only means of contacting XXXX XXXX/Money Network that is available on their website and the EIP card website. Even though I have called the customer service line several times, I have yet to talk to an actual customer representative and have found XXXX XXXXMoney Network 's customer service system to be completely automated. I have not found a way to address my issue through their automated system.
Consumer complaint received 2016-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harvard Collections, LLC (GA)

Harvard Collection Services , Inc. has placed a medical bill on my credit in the amount of {$2600.00} from XXXX/XXXX/2010. They admit that the bill is NOT mine and that it belongs to my daughter now almost XXXX. They even verified the address of the person who the bill belongs to which is an address that I 've never lived at. In addition before this was placed on my credit I never received any other correspondence regarding this debt. No opportunity to dispute this debt or challenge it 's validity. The only thing they say they can do is offer me a settlement for the balance. I asked them why they 're offering ME the settlement when the debt does n't belong to me. I was told it would be best to just pay it, because it will not go away - although it still will not be removed from my credit, it will just show as paid. I do n't owe this debt and have been penalized via credit for a debt that is n't mine.
Consumer complaint received 2023-01-30
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXl XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, Transunion, XXXX.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (MI)

On XX/XX/2019 a payment of XXXX was paid to the original creditor XXXX XXXX/ XXXX XXXX XXXX and was paid in full. The debt collection agency reported that {$160.00} was owed then it was updated shortly after with a XXXX balance but still open. I disputed the claim because the debt was paid in full. I received a statement stating that there was a balance of XXXX still due on the account. That amount was never reported. I went ahead and paid the XXXX over the phone on XX/XX/2019. I contacted the collection agency shortly after because they were still reporting a XXXX balance and that the account was still open
Consumer complaint received 2019-05-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP (CA)

California requires that lenders of loans on California properties must meet certain conditions to REQUIRE impound accounts. My lender, despite multiple attempts over years, will not provide me information on the conditions that believe they have met. 
There is also a provision to pay interest on impound funds which that they have ignored questions on or said verbally that they do not pay interest. 

The CFPB is my last option as they are unwilling and/or unqualified to answer these questions. All answers are vague responses to their own internal requirements.
Consumer complaint received 2018-09-27
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. (NY)

To Whom It May Concern, I recently pulled another copy of my credit report and noticed the following information are in error and still have not been corrected : This letter is my final communication in regarding the inaccurate entries being reported on my credit report.

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at : XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : ( List all the companies that have pulled your credit, whom you did not give permission to do so ) 1. XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXXom XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX Inquiry from XX/XX/XXXX 7.  XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my non-drivers license as proof of identity.
Consumer complaint received 2020-05-29
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. (AL)

I HAVECONTACTED EQUIFAX SEVERAL TIMES REGARDING ACCOUNTS THAT ARE NOT MINE, I AM NEEDING THEM TO REMOVE THE INFORMATION FROM MY CREDIT REPORT. 
THE ACCOUNTS THAT SHOULD BE REMOVED ARE XXXX XXXX, XXXX  XXXX AND XXXX XXXX XXXX,
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

On XX/XX/XXXX I have learned that I am the victim of Identity Theft and had to correct entries on my credit reports. At that I also pplaced fraud alerts and credit freezes on my reports. On XX/XX/2019 I was alerted to another derogatory entry on my credit report by Wakefield & Associates. On XX/XX/2019 I contacted Wakefield and attempted to explained what has happened the first person i spoke to, XXXX, staed that he could not help me and asked me to cal client services @ XXXX. When I called this number and spoke to XXXX, she told me that she did not help consumer, only clients and then hung up on me. My third call I spoke with XXXX and asked to speak to a supervisor, which was XXXX XXXX. Mr XXXX told me that he woudl be able to locate my account based on the last 4 of my SSN, then he told me he could not and he needed my entire SSN because he did not want to look through all the account to find the one with the last four. Then he proceeded to be very high pressure trying ot gain additional information, when it is I who needed the information and I clearly explained this was identity theft and I would be filing a police report. XXXX remained to be very combative and not very helpful. Wakefield & Associates has made no attempt, prior to 'my '' contact, to contact me even with a fraud alert placed upon my credit report. On XX/XX/2019 another derogatory entry was made by Wakefield & Associates against another credit reporting agency as well as an incorrect address, despite my conversation with Mr. XXXX on XX/XX/2019 and without verifying if the address they were reporting was correct or not. On XX/XX/2019 I have filed a police regarding this debt ( Calfin Police Dept Case Number XXXX ).
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

So I am receiving a 2 letters from 2 different companies that I Owe a debt, that are now placed on my credit report TWICE. So I requested both companies to send me Verification with some type of signature which they BOTH failed to do. One company sent me a letter saying the debt was sold to them, the other one saying they are placing a judgment against me, garnishing wages from a place i am not even employed at,. Over all this is bringing my credit score down which is hindering my progress and financial stability. No proof of any debt WITH a signature was sent to me so I wouldnt even know who to pay or whos fraudulent. Im not admitting to the debt, Im seeing if any is valid, and if its not, then it should be deleted according The the FCRA!
Consumer complaint received 2021-11-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2020-05-29
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. (AR)

I was trying to trade my vehicle for a XXXX, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name. XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX XXXX {$10000.00}