davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (TX)

Equifax report a collections account " XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account, I NEED PROOF OF ACCOUNT OR DELETE IMMEDIATLYEE I WAS NOT PROVIDED ANY CONFIRMATION OF ACCOUNT FROM EQUIFAX CONCERNING THE ABOVE MATTER. I NEED DIRECT VALIDATION OF PROOF
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TN)

Well I received a text from NetSpend saying that a deposit of XXXX dollars was uploaded to my card ending in XXXX well I contacted customer service and was told that it was a fraud also was told that I didn't own a card like that well when I asked when this card was closed I was told a lot of garbage this I this isn't the first time I have had problems with NetSpend customer service about money being uploaded to my cards I have many cards the name of the company that uploaded to was XXXX XXXX XXXX  my money is being constantly spent with a lot of garbage being told that it was a spam so I do have evidence keep
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

After seeing a debit card transaction on our account that I did not recognize, I researched as much as possible by contacting the company in question several times. They had no information as to why we would be billed as we were n't even in their system. I also checked with our insurance company which did not have any such billing through them. We never received a statement from our insurance company pertaining to this transaction nor had we done business with this particular company. I contacted via phone HSA Bank and spoke with XXXX. She canceled the card and emailed a transaction dispute form for me to submit. I submitted the form on XXXX/XXXX/16 per instructions on the form. It was received by their agent on XXXX/XXXX/16 per USPS tracking. On XXXX/XXXX/16 I spoke with XXXX who said there was no record of receiving it. On XXXX/XXXX/16 having no reimbursement into our account nor hearing from HSA Bank, I again contacted and spoke with XXXX, who told me there was nothing they could do as they only send out the forms. The supervisor refused to speak with me but suggested through XXXX that I send a letter or fax. On XXXX/XXXX/16 I faxed a letter along with proof I sent and they received the form. I have yet to get a response. On XXXX/XXXX/16 I called one last time and spoke with XXXX XXXX who said to email her my proof and she would forward it to the appropriate dept. I have yet to hear anything from anyone at HSA Bank and have not received reimbursement to our account per their on own protocol ... within 10 days. As an added note, the dispute form instructions plainly state that if I have any questions to call the number on the back of debit card ... THEY 'RE the ones who keep telling me they ca n't help me!
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I recently contacted Experian about incorrect information they are reporting on my credit file letting them know that this account on my credit file is not mine and I even contacted the company from which was showing up on my credit file and they informed me that they do not have any accounts open or reporting on my credit file and if it is it must be in error. I have attached the letter the company sent me. I then contacted Experian sending them the letter the company sent me letting them know that this account is an error on my credit file and to have it removed but Experian sent me a letter XXXX XXXX saying that I contacted them in error about the account that is n't mine on my credit file and that they are n't going to remove it.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

I was only allowed to select XXXX option but there are actually XXXX. Account terms, account status and validation that the account is even mine. My issue is with XXXX XXXX XXXX who reported inaccurate and different information to XXXX, XXXX and Experian. I have filed a direct dispute with XXXX XXXX XXXX to stop reporting this inaccurate information that is severely damaging my credit report. As this complaint is going to Experian, they have me " also known as '' someone else.
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # 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 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I was the victim of XXXX fraud in the amount of {$5000.00}. Chase bank did not insure the loss because, the transaction ( s ) was processed according to information you provided or was authorized. 

I obviously disagree with this finding, having lost {$5000.00} through fraudulent means, but it also seems that the CFPB would disagree with that finding as well. 

After reading through Provision E and exploring the FAQ sections, I am convinced that Chase made an error in interpreting what it means to provide information and what is considered authorized. 

From the CFPB FAQ section regarding the above. 

" an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. '' Also considered an unauthorized EFT is " when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account. 

Furthermore, banks are NOT consider a consumer 's negligence when determining liability for unauthorized electronic funds transfers. '' Attached is the exact information I faxed to Chase on XXXX XX/XX/2021 Thank you
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY (CA)

I made an arrangement with American Express to pay down my balance over time, rather than allow my credit card account to become delinquent. They set up a payment plan for me, which I have kept current, and they have been telling the credit reporting agencies that my account is past due. Currently, the notification is that my account is 120 days overdue, even though I am current on the agreed-upon payment schedule which they set up for me. American Express is destroying my credit rating even though we made an agreement for me to pay down my balance over time.
Consumer complaint received 2022-08-15
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. (DE)

EXPERIAN HAS FAILED TO PROPERLY INVESTIGATE A ERROR ON MY CREDIT REPORT. I SUBMITTED A COMPLAINT ON XX/XX/XXXX. ON XX/XX/XXXX EXPERIAN STARTED THEIR " INVESTIGATION ''. ON XX/XX/XXXX LITERALLY 1 DAY LATER I RECEIVED A UPDATE THAT MY DISPUTE WAS UPDATED. INSTEAD OF REMOVING THIS LATE PAYMENT THAT WAS POSTED IN ERROR, EXPERIAN PLACED THE LATE PAYMENT FOR THE FOLLOWING MONTH. I HAVE PROVIDED ALL DOCUMENTS PROVING THAT THIS LATE PAYMENT WAS AN ERROR AND THAT THE ORIGINAL CREDITOR CORRECTED THIS ISSUE. I DO NOT FEEL SECURE DOING BUSINESS WITH EXPERIAN AS THEY CAUSED MY CREDIT SCORE TO DROP DRASTICALLY BECAUSE OF THIS FALSE LATE PAYMENT REPORTING.
Consumer complaint received 2016-10-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I keep applying for a dismissal and first they lost my paperwork and said it was n't in the system. I applied again and was turned down because my XXXX letter from social security said my review was every 3 yrs not XXXX plus years. I 'm a XXXX XXXX patient. I also sent in my income which is XXXX a month. I was told by XXXX if I get a part time job I 'll loose my Medicare. My meds are over XXXX a month. It took me 3 yrs. To get my Medicare because of my age. I 'm on XXXX XXXX. I also went to XXXX. That school closed long time ago. I 've rejected XXXX and XXXX I 'm fighting for my life. I ca n't pay this loan at all. Please help me.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address a matter that has been of concern lately regarding the regularity of payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

Hi, I am a Delta Sky Miles member and I received a promotion on XXXX XXXX by American Express through Delta Airlines newsletter, according to which : - I would get XXXX ( instead of XXXX ) bonus miles after spending {$1000.00} in three months ; - and XXXX miles ( instead of XXXX ) for each dollar spent with Delta ; if I would have applied to Gold Delta Sky Miles American Express card by XXXX XXXX. Therefore, on XXXX XXXX I applied and was approved for the credit card, but now American Express is not applying the promotion to my account. They are currently saying that I can not get the promotion anymore because I did n't click on the 'Apply Now ' within the promotional email. However, nowhere in the email they say that I have to apply through the email, because in any case both the email and the application are linked to my Sky Miles number. They first said that I should have spoken to Delta, but Delta is saying that the promotion is from American Express. Ultimately, the American Express representative said that she would have raised an inquiry and it would take between 6 and 8 months to get an answer, and of course in the meantime the 3 months period will pass by. 
I do n't feel treated fairly at since they are not honoring anymore a promotion I received from them and for which I applied by the deadline.
Consumer complaint received 2016-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

I used to live with my sister in XXXX, and we agreed to have the cable company under my name which is call XXXX, but apparently she stoled my information to put the light under my name too and i wasnt aware of it. I just lived in XXXX with her for a year. I notice that i had this dept from XXXX XXXX after it was already in collection because i wasnt aware of this. She never told me anything.
Consumer complaint received 2020-07-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I was making payments on vehicle, vehicle was inoperative and unable to drive. Filled chapter XXXX and was making payment to courts to pay loan off. During the process a roommate took my truck and it broke down in the middle of the road as the transmission was going bad and this person was told not to drive. I was unable to retrieve vehicle from tow yard and loan company repossessed vehicle. Then they left vehicle at tow yard and did not even try to sell to recoup some of the money owed. At the time of the repossession the vehicle had a acv of less than XXXX. I had already paid over XXXX and now they are reporting late payments to the credit agencies and causing a great strain on my credit rating. I feel if they never tried to recoup their money from selling vehicle than how do they know how much I owe? It could have sold for a few XXXX and my balance would have been manageable.
Consumer complaint received 2024-02-15
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: 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.

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

My bank -- Wells Fargo Bank -- keeps charging me a {$35.00} " Overdraft fee '' over and over again, in rapid succession. This fee almost makes it impossible for me to build up any sort of positive balance in my checking account. For example, the bank charged me XXXX {$35.00} overdraft fees on XXXX XXXX, then on XXXX XXXX the bank charged me a {$35.00} overdraft fee and a {$35.00} " insufficient funds '' fee. Then today, XXXX XXXX, 2016, Wells Fargo again charged me XXXX {$35.00} overdraft fees, and the amounts I charged to my credit card were only {$5.00} ( for a breakfast croissant and a cup of coffee ) and {$2.00} ( for a box of doughnut holes ). So, as a result, my breakfast on XXXX XXXX ended up costing me {$40.00}, and the box of doughnut holes cost me {$37.00}! I monitor my accounts with Wells Fargo very, very closely, and I do my utmost to always keep a positive balance in this account. But sometimes my incoming checks just do n't arrive quite as quickly as my bills do ( or my desire to eat ). I once spoke with a banker in my local branch, and he seemed to want to help me, but his superiors at Wells Fargo would not allow him to do more than reduce XXXX or XXXX overdraft fees by half ( to {$17.00}, rather than {$35.00} ). I want these XXXX Overdraft fees to be taken off.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

OVER THE PAST 2 YEARS I HAVE TRIED TO GET ASSISTANCE ON MY MORTAGE. WELLS FARGO HAS NOT BEEN HELPFUL WHEN TRYING TO SEEK HELP AND I WOULD LIKE TO SEE IF ANY OUTSIDE PROGRAMS CAN ASSIST IN GETTING MY MORTGAGE PAYMENT LOWERED.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (VA)

XXXX and XXXX on XXXX XXXX XXXX XXXX Account XXXX Has it XX/XX/XXXX reporting right was right but equifax the last payment is on the XX/XX/XXXX. I try to fix it the problem. SO n accordance with the Fair Credit Reporting act 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 2022-02-04
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. (AR)

On XX/XX/2022, I requested my report from XXXX to compare it with the credit bureaus. I requested it online and was informed that the report would be mailed out in XXXX weeks. I have yet to receive the report. 

I then started calling all 3-credit bureaus to dispute any information that was received by XXXX due to them providing me with my personal information. All complied and XXXX immediately removed my information and XXXX put everything into dispute. 

Experian on the other hand explained to me that the bankruptcy that existed on my credit report is public information. I informed the XXXX XXXX that I was fully aware of that, however, how did they obtain the information since the credit bureau 's get reported too and do not go fishing for consumers personal information. She never told me where the information came from. I then informed her that I had seen on their website that they are partnered with XXXX and asked her was that where the information came from and she finally replied, yes. I went on to tell her that since Experian uses them as a third-party vendor that my credit report should be cleared from negative reports that XXXX has provided them because they are not abiding by the Fair Credit Reporting Act. 

She then goes on to argue with me and ask me did I had filed bankruptcy or not. I replied, the fact of whether I filed or not is not the question being asked by me. I informed her that my information that XXXX obtain was not given to me as requested and that is a conflict with the information that is reporting on my credit report because I was violated my consumer rights and all negative information should be cleared due to this factor. I ended up speaking with a supervisor and she informed me that they will need to contact XXXX and dispute the bankruptcy information and will have a response available within XXXX days ( about XXXX and a half weeks ). I requested from the Supervisor XXXX that ALL negative/damaging information that was provided by XXXX should be deleted because I was not given my requested personal information, which violates my Fair Crediting Report Act. 

After completing my call with Supervisor XXXX, I then tried to call XXXX XXXX regarding clearing any derogatory information given out to all 3-credit bureau 's due to the report was never received and this was in violation of my Fair Credit Reporting Act. However, the customer service number has so many loopholes it does not give you the option to speak with a customer service representative. Although, the customer service number indicates on the recording that there might be a longer than normal wait time. This really concerns me that a credit bureau can play with consumers credit using 3rd party vendors that you can not only receive requested information from but can not reach either.