davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-04
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: AMERICAN EXPRESS COMPANY (IN)

I can tell from the reply and closure of my prior complaint that AMEX did NOT read the full complaint. I fully EXPECT a callback, not a slack jaw half attempt to shove off responsibility AGAIN. 
AMEX somehow added another users bank account data into my account, so when I made a payment ( 3 times ) it was coming from their account. This happened a few months ago as well and I Called in time to have AMEX cancel the transaction, delete the account and make things right. I made a payment and it was fine. So thinking AMEX couldn't possibly screw this up AGAIN, I just kept making payments until I noticed the problem with a XXXX payment. on further research, it was found a total of 3 payments were mishandled. 
All AMEX wants to do it claim I added this other person account ( which is impossible without the whole account number which I could only see the last 4 numbers ) rather than accept they must have a flaw in their data. 
Working in XXXX XXXX for nearly 20 years, I am ready to tell my industry about this openly and let them know the only explanation is a data breach. 
Also, long story short, the bank put me in touch with the person that the account belonged to ( since AMEX chat told me this person 's name ... a privacy breach now ) and She is willing to join a lawsuit with me if it comes to that for mishandling her data. 
So shall we resolve this or let the world know? 
Again, I EXPECT a phone call. Final notice.
Consumer complaint received 2019-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

I refinanced a student loan that was serviced by Firstmark Services ( " Firstmark ''  ) with a new refinance loan ( the " Refinance Loan '' ) serviced by XXXX XXXX XXXX ( " XXXX '' ). The Refinance Loan was disbursed on XX/XX/2019 in the amount of {$84000.00}. On that date, the balance of my existing student loan was {$78000.00}, which led to an overpayment when the Refinance Loan was disbursed. I've been informed by Firstmark that a check ( # XXXX ) in the amount of {$5100.00} was sent to XXXX on XX/XX/2019. As of XX/XX/2019, XXXX claims they have not received it and can not tell me how long it would take to process said check if and when they receive it. Since XX/XX/2019 I have made multiple calls to both loan servicers and am not receiving proper guidance or assistance by either.
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received emails from Capital One stating that my payment had posted. The payment was never posted and the funds had not been taken from my account. The representative on the phone told me that they send them out to avoid any " Late payments. '' Unfortunately this caused me to have 2 payments returned. I sent another payment for {$110.00}, received an email that informed me that the payment posted, I called the following day trying to find out why it had not been posted on my card so I had the available credit ( because I needed it ), and my bank was n't even going to release the funds for another 3-4 days. I did not even have a payment due!!! I was making an early payment. Because I could not wait another week for the funds to be available and because no payment was due for over a month, I decided to take the funds so that I did n't have to wait so long. I could make a payment in a week or two and be fine. Capital One just decided to close my account. This is a secured account. I really messed up my credit in the past and this was my first step in trying to repair my credit. Now I have this account on my credit report that says, " Closed by creditor '' and was only 2 months old. Considering that I received emails saying my payments were posted, I wanted Capital One to either reopen my account, or change the reason why it was closed, as to not have another negative impact on my, already negative, credit report.
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS. FOLLOW UP I CONTACT XXXX XXXX XXXX. THEY TOLD ME THEY HAS KNOWLEDGE OF NO ACCOUNT AT ALL. THIS NOT XXXX XXXX XXXX ISSUE, THIS A MIDLAND FUNDING YOU GUY 'S ARE THE ONE 'S REPORTING THIS ACCOUNT ON MY CREDIT REPORTS.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (VA)

On  XXXX   XXXX  , 2017, I was trying to deposit check via ATM, card did not work and I called Suntrust. Bank Representative told me that my account is being reviewed and I will get a letter in the mail about their decision to keep account opened or closed it and if closed, I will get my money in the mail via check. I asked why no one contacted me, I get daily notification email about my account balance and nothing about funds are being on hold and what 's going to happen with my third party payments that I made against this checking account. The representative told me Suntrust do n't deal with fees charged by others and I have to contact them myself. This is unacceptable, I am being penalized without any advance notification. I just paid my college child rent from this account, our pay checks are being direct deposit into this account within next week. We live pay check to check and wo n't have access to money until they are done with their review. This is abusive and unfair and I need Suntrust to be accountable for putting us in financial distressed.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian states that XXXX XXXX XXXX has certified that the information is accurate. I have asked them 4 times to show me proof of this certification as I am entitled to under the Fair Reporting Act 609. I have written them and made this request on XX/XX/21, XX/XX/21 XX/XX/21 and XX/XX/21. To date I have not received anything. I have not done any business with XXXX XXXX or signed any papers agreements with this company. They have no phone number listed and can not be contacted. I have asked them how {$5700.00} was written off and {$8900.00} was past due. That makes no sense to me at all.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

XXXX very confused before I lost my card and fraud happened my balance was {$790.00} I paid {$300.00} and much more and my balance doesnt go down I called customer care and they said XXXX XXXX that its weird and they claim the old car should been transferred to reflect the current balance but they never did that and they told me to contact the claims department very confusing on the statement it also shows a payment but the balance doesnt reflect that it should be {$200.00} my balance not still showing {$700.00} why cant they fix this its a problem with their system or something
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2024-02-26
Product: Credit reporting 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. (MI)

I have the following hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : DISCOVER FIN SVCS LLC Charge : {$1300.00} Date : XX/XX/2016 I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving an account fraudulently opened. Somehow they veried the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please include all names and contact information of employees that you spoke to as part of this investigation. 
I have sent several times my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent account.
Consumer complaint received 2017-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (PA)

I have been Complaining about a refund from google for over a year. I and my bank have tried to resolve this issue. My bank has wrote letters to them, talked to them over the phone, I have been emailing them, filed disputes with my bank and contacted state agencies. I was told that google sent my payment to XXXX XXXX XXXX and to XXXX XXXX from google.I have been calling them and waiting for reply but have been having issues recovering my refund. I have tried everything to get them to give me my money back as well has my bank XXXX. I have several case numbers and they keep giving me different statements. I keep getting new agents so I have been passed around to so many agents and I am getting upset at this situation. I am asking that they send my money back to me as they told state agencies that they gave me a refund when they told false information.At this point in time I feel they are doing this so they do not have to pay me my money back from these fraud charges. My bank showed them proof that nothing ever came to me and I keep getting excuses as to they already sent a refund, they never sent a refund and get passed around to agents. I will attach the information I sent to them in this dispute.
<P/><P/>
Google case number XXXX. Email used for contact is XXXX.
<P/>
Dear Sir or Madam : I am writing to dispute a billing error in the amount of [ {$1400.00} on my account. The amount is inaccurate because the money was reversed by google when in fact Google was to issue a refund in the amount of XXXX.I am also requesting proof of any payments sent from your company, And transactions that was paid to the right bank.
<P/>
I have attempted to get a refund through your customer service department and have sent letters from my bank, my bank statements, and reversals that google made from my bank.
However, after a year I have still not received a refund of the {$1400.00}.
I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement after the payment has been resolved.
<P/>
.I look forward to your reply and a resolution to my problem.
To resolve the problem, I would appreciate you refund my money that was stolen from my bank.
Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I submitted a several disputes to Experian after being a victim of identity theft -- starting in XXXX. I submitted all the proper documentation. They are continuing to report a card loan that does not belong to me a. I asked for the item to blocked and thoroughly disputed, I also asked for validation proof. They did not respond or send proper documentation. They are now refusing to re-investigate.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I never had a XXXX credit card and never lived at the address PORTFOLIO RECOVERY claims I did. They will not provide any proof beyond an account balance with this false address and a statement that they purchased the debt. I have even challenged it with the three credit bureaus and still not getting anywhere. How do I prove this isn't mine and shouldn't they have to prove it is mine?

I have only lived at the two addresses provided in the attachment and before that I lived in XXXX Virginia.
Consumer complaint received 2020-07-21
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)

AUTOMATED XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I submitted a request for a Security Freeze because I am a victim of identity theft. I have sent the request twice and they have continued to reject my request and not protect my credit althought I sent police report, drivers license, ss card and proof of address. I sent certified on XXXX XXXX XXXX and XXXX XXXX XXXX. I sent for my wife XXXX also. XXXX have not been responded to. They signed for XXXX letters
Consumer complaint received 2021-05-23
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. (PA)

I have made more than 4 attempts to have my credit report fixed. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( Creditor ) has notified me that they have NOT reported the information as indicated on the report provided to me on and before XX/XX/XXXX. 
I have disputed the account since XXXX of XXXX and provided ( XXXX, EQUIFAX AND XXXX ) with the documentation provided to me by the creditor ( XXXX XXXX XXXX XXXX ). The agency knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. They have communicated and are continuing to communicate incorrect and defamatory information to third parties. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I was never late on my accounts espeially not 90 days. It wendt from30 to 90 days when in fact they are reporting payments being made in the months I allegedly was late.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons
Consumer complaint received 2019-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian is incorrectly reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) This late occurred after the account was closed. This is not reporting on XXXX or XXXX. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-07-21
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. (NJ)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - XXXX
Consumer complaint received 2019-06-04
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Debt collectors at Iq Data International Inc. called from XXXX. They called my employer multiple times back-to-back and disclosed to my employers that they were collecting a debt. They also disclosed that they were looking for my husband. This was for a medical bill after being screwed by covered California. Trust me, if i could pay it I would. They did not need to disclose my debt to my employers. When I tried to talk to them they were extremely rude and combative. This is wrong and unnecessarily caused severe humiliation and embarrassment.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We filed a complaint with XXXX XXXX about the fees that involved a lease agreement with XXXX XXXX XXXX ( located in XXXX, XXXX XXXX ) Place on XXXX/XXXX/2014 ( certified mail Receipt ), asking this company to dispute the charges. XXXX XXXX never responded to my request after 30 days. 
XXXX XXXX waited 45 days later and placed this item on my credit. They never disputed my item with the company. ( XXXX XXXX located in XXXX XXXX or Leasing agency ).
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was taken advantage of do to malpractice while several laws were being broken under the FCRA by this company. This has cost me financial injury, this has cost defamation to my character. I can't get certain jobs, I can't apply for credit, I can't get an SBA loan do to the pandemic under this crisis. They have hurt my ability to obtain credit.

It has been 90 days and they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 61 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-03-03
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. (CA)

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.