davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
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)

I have filed a dispute in regards to an inaccurate account on my consumer report. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2022-08-26
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. (TN)

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX tracking number : XXXX, XXXX tracking number : XXXX, and Equifax tracking number : XXXX. However the credit bureaus said that they completed the investigation and everything was 100 % accurate. How is that when the account number is incorrect, the account type is incorrect, the account status is incorrect, the monthly payment is incorrect, date opened is incorrect, the balance is incorrect, payment status is incorrect, last reported is incorrect, date last active is incorrect and the date of last payment is incorrect? According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation? 

One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates 15 USC 1681i ( 5 ) ( A ) ( i )- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give anyone written instructions.
Consumer complaint received 2022-05-17
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: VELO LAW OFFICE (MI)

In XX/XX/XXXX I recieved a letter from my local court house about a credit card debt. I know I owe it, but being on XXXX something happened and I just couldnt pay it at the moment. I sent a letter using proper legal information stating that My income being Social Security XXXX was protected by law against collections such as your as well as Judgments. I sent that certified mail, I never recieved a response or notice of a upcoming court date. 

Today i recieved a document stating they are requesting a judgement against me. I am fairly certain that after the certified letter I sent requesting that they stop all collections immediately ; by law they have to. 

The date claims it was XXXX, the date the judgement was filed was XX/XX/XXXX, In the amount of {$880.00}
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

When I receive the calls concerning my previously owned Chase Freedom Credit card my identity was stolen and many of my cards were used I filed a police report and reported documentation to all institutions involved my balance should be 0 paid in full up to date like it always was before the fraudulent activities occurred it has been also intimidating the tactics used on the phone to collect this discrepancy saying very aggressive and wrongful insulting things to me truly uncalled for and the sense of harassment please I ask kindly that my account is properly updated to a 0 balance paid in full and it reflect as such on my credit report Thank You
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

After informing us bank I filed a bankruptcy they refused to release funds back to me per the instruction I received from XXXX from their corporate customer service department. I went into the branch in XXXX Illinois on XXXX XXXX and was partially greeted by XXXX XXXX at the door who literally interrogated me at the door regarding why I was coming in and then got upset with me because I didnt want to discuss my bankruptcy in a line full of people. She began to make nasty comments saying oh its too much going on what day is it its only Tuesday and all this is going and then continues to be disrespectful and talk about me to the XXXX XXXX securitas guard. Then when leaving she informed me she was the branch manager and would be leaving in a few days anyway.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OK)

On XX/XX/2021 I logged in to website with the intention of paying the entire balance of the card. I chose payments, and then chose the full amount due. I successfully paid the balance owed. Then, the company charges me interest on a balance that they say was remaining, even thought the pay if full balance was paid. Unknown to me, they charged this interest of approx. {$19.00}. Then a late fee, then more interest-bringing a balance owed to {$43.00} -- again I had no idea of any of this and understood my account was paid in full -using their drop down payment options. I was completely unaware of any of this until I was notified by my credit score watching app. My credit was dinged significantly-do to their issue with their online information-I received this notification on XXXX-I logged in and paid this egregious amount immediately. They should not offer online balance in full options, if they do not intend to honor the number they provide.
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX  5. XXXX 6. XXXX XXXX XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX  9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. 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 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I took out several federal student loans in the 90 's. They were all federal student loans, now serviced by Navient, but initially with Sallie MAe. They informed me during our last conversation that they were no longer Federally subsidized loans and therefore I wasn't covered under the payment moratoriums. They also told me 20 years ago I wasn't able to consolidate under the much lower interest rates later on because I had consolidated once before. That consolidation was only to aggregate the loan into 1 payment instead of the 15 or so payments they had coupon books for and locked in the same rated forever without being informed. I feel like I need a lawyer as the misinformation or lack of has mired me into a lifelong debt that will never be resolved.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On all major credit reports states I owe them $ XXXX {$290.00} This company does not accept insurance, you have to pay at the time of service in full for any treatment received. I do not owe this company or collection company any money. 
I have also previously asked for a copy of any contract, I signed agreeing to pay the additional amount of $ XXXX {$290.00}, which they say I owe.
Consumer complaint received 2022-05-17
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. (MA)

On XXXX, XXXX, 2022 a letter was sent via certified mail letter XXXX XXXX know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2022 I purchased XXXX airline tickets to XXXX through XXXX. I subsequently noticed XXXX charged me twice for each flight. I alerted XXXX and the XXXX extra charges were removed from my credit card activity. When I went to pay my Barclays bill, I noticed the charges had reappeared. I contacted XXXX who told me Barclays had only paid them once for each flight. XXXX Ive been shuttled between Barclays ' fraud and disputes departments. They told me the case was closed and resolved. 
I asked them how the case could be closed when I still haven't been refunded the {$1200.00}. 

I was finally directed to yet another department at Barclays who admitted the mistake was theirs. At the time I had purchased the tickets there had been fraud on my card and I'd been issued a new one. Somehow XXXX of the flight charges were on XXXX card number, XXXX on the other. Barclays had finally admitted their mistake. The man I spoke with, promised I'd be reimbursed. within forty-eight hours. I asked him for his name and if it was a new case number, and he refused. That was on XX/XX/2022. I have still not been reimbursed. Original case # XXXX
Consumer complaint received 2022-09-30
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: CLGF Holdco 1, LLC (TX)

On XX/XX/2022 I received a text from my credit card company alerting me to fraud. I immediately logged onto my account and saw several charges dating XXXX. I then called the fraud department for Genesis FS Card Services ( Indigo Credit Card ) and told them that these charges were no authorized by me and I had no idea who the companies were that charged my card and needed to get a new card number and dispute the charges as fraud. To this date the dispute has still not been resolved and I have had to call the credit card company twice a month. It has been almost 5 months of this. I have not received a case number, I have not received any letters or notifications acknowledging the complaint and it has been longer that 90 days. I have called Indigo Credit Card ( Genesis Bank ) on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Comerica (NE)

On or about XX/XX/XXXX, I sent a XXXX XXXX to an associate named XXXX. XXXX failed despite my having had sufficient funds in the XXXX XXXX. XXXX informed me money did not go through. The XXXX XXXX system became jammed where I could not get any of my money. I waited for Direct Express who handles my XXXX XXXX to take corrective action after I spoke to them. However, to this day, XX/XX/2022, I have yet to receive my money. Again, today, I spoke to a customer care representative at Direct Express who said that Direct Express does not accept third party deposits, and especially more than {$50.00} daily. He continued saying that my balance had been reduced to {$22.00}. My XXXX check that was XXXX to Direct Express in the amount of {$800.00} has disappeared without a trace in doing business to Direct Express and XXXX XXXX
Consumer complaint received 2022-07-04
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. (TX)

My credit report was accessed without my permissible permission in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX. I have requested a signed and dated copy of the permission from both of these companies but they refuse.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

VyStar Credit Union sent notice to customers its app and online banking systems would be down from Friday night XX/XX/XXXX to Sunday afternoon XX/XX/XXXX. As of Tuesday morning access to accounts has not been restored and their phone center and branches are massively backed up due to this outage. VyStar is inhibiting customers from accessing accounts, bill pay, XXXX transfers and basic reconciliation processes. They have not been transparent on an XXXX  to fix and this is harming consumers.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo has me sign documents to close my refinance in XXXX that were dated in XXXX but then had my first payment due date 2 months prior in XXXX of the same year. 
My mortgage is based on an illegal contract due to them refusing to put the due date after the sign and close date.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (FL)

My name is XXXX XXXX I had a checking account with TD Bank in XXXX XXXX XXXX Florida their number is XXXX a check was mailed to me out of California for {$14000.00} in change TD Bank held that check because they thought I was fraud which is not for 3 weeks they ended up closing my account the check is still good TD bank has not sent it back to XXXX XXXX in California I have called them and I've been to TD Bank and they're not doing anything about it they closed my account about 5 or 6 weeks ago they have not returned the money to XXXX XXXX XXXX yet
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

In XX/XX/XXXX we started a 4 year lease with Kia Motors. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later Kia decided the insurance company did not pay them enough. Kia told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.
Consumer complaint received 2022-08-14
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. (NC)

In accordance with the Fair Credit Reporting Act ( XXXX 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 an account without my written instructions.
Consumer complaint received 2021-08-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (SC)

This company purchased an account from XXXX XXXX and sent me a letter for me to pay a debt. I filed a complaint against them already and they've admitted to doing it and by them sending me a letter stating that I owe a debt is a violation under the FDCPA and they violated other consumer laws in the letter. The company responded to the complaint saying that they disagree with my claim that they've violated any laws when it's clear evidence that they have. I am currently seeking legal advice on this matter because I sent an invoice to them for all of the violations and they didn't cooperate but did say they weren't going to continue to collect money but the damage to my character has been done through my consumer report. This negative account has prevented me from getting credit on my behalf and it feels like a form of oppression.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (ME)

XX/XX/2022 There were 3 attempts on my checking/savings account to fraudulantly withdraw money from my accounts via wire transfer. I contacted ALLY.com XXXX attempting to resolve the problem. XX/XX/2022 ALLY locked down my account preventing me from accessing my money. I have made over a dozen calls to ALLY and to their Loss Prevention or so called Fraud Department ( XXXX ) XXXX. I have been told an investigation will call me & they have not. I attempted to contact them via their XXXX account and XXXX account and was texted someone would call me. I want my money back XXXX XXXX it.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, 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. (NJ)

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, 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. (NJ)

Credit inquiries on my report I do not recognize Also reporting a late payment on XXXX XXXX in XXXX and my payment was never late
Consumer complaint received 2022-05-17
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. (FL)

In accordance with the Fair Credit Reporting act 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 has violated my rights.

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

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