davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Yes, I applied for a credit card from USAA in XXXX with a credit limit of {$5000.00} given to me at that time I borrowed from that card {$3000.00} to pay off another card. After that on XXXX I was requested to show proof of who I was I did in XXXX. And then XXXX became XXXX as I was told all will rectified in 2-3 days and then it became XXXX with no resolution. Just multi answers from anyone who picked the phone.And all of this time I would be told not to Worry and that all will be fine.And all through this I was making payment and by the end of XXXX I was then told that my account was to permanently restricted and that a payment due. And at no time was I sent or in any form my statement what I owed neither what the amount due to me.And as of this I am still without any knowledge of the total amount or was is due per month for payment and when I called on XXXX/XXXX/XXXX I was told that I had NO right to receive any statement what so ever. And for payment they would tell that I had several way of payment but I asked I was told to send it by mail with statement, which I have not been given any. ( Note : I only wanted a Credit Card and nothing more )
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (KY)

I went to finish disputing my XXXX disputes and my request timed out while disputing the XXXX account when I came back over I had to then finish my Equifax request, so I had to resubmit a request. Upon trying to get my Equifax all of the information and questions they asked me did not have any accurate answers, some of the questions were right and had the right answers been listed I would n't have selected none of the above. Now I have to submit a paper request for the report before I can even dispute it, this is not fair. I want to be able to submit my driver 's license and proof online, I do not have time to wait 15 days to finish these disputes and all of this craziness. I need it all to be done at one time. That was the point in selecting all three reports. I want to be contacted by Equifax to rectify their obvious misinformation 's. I hate Equifax 's service and I do n't think it should have any effect on my credit, I do n't think anyone should ever even be allowed to pull my credit score from them ever, they obviously are very misinformed and unreliable.After finishing my disputes so they will stop ruining my credit, I fully intend to try and never use their horrible service ever.
Consumer complaint received 2015-03-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (KS)

They keep calling me and upsetting me about payment on our car loan but they are not sending any statements out so we can pay them my lawyer told me that they are suppose to do that and they are not to charge us any late fees if they are no send any statements to pay them. we both have been sick and have not been able to work yet but we are XXXX and have rights like everyone else has to have respect from other people and they must not go to church to learn how to treat people. Can you please help I have had to block them off of my cell phone and disconnect my phone just because of them idiots. My lawyer said they are not to have any contact with me until they send me the right stuff to pay a payment and to erase all the days that it is late. they are to work with us on this I thought since we were XXXX XXXX years of age they would have more compassion and understanding and help us out my lawyer said if they keep doing what they are doing he will sign a court order to make them say that the car is paid in full and quit upsetting me and making me sick. we have had other bills and medical expenses come due so we had to cut something out and still so far behind but hopefully we will get caught up.
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

Starting back in XXXX noticed incorrect reporting on my credit report. I since have repeatedly disputed erroneous collection accounts with XXXX and Equifax about an XXXX XXXX XXXX and Charter Communication debt I do not have any knowledge about. 
I called XXXX XXXX XXXX first and was told that no information on the account was found nor my name or social, so I asked why was it reported to the credit reporting agency and on my credit report, but then they turned around and said well maybe it was due to not returning equipment. Well, I explained that I never had the account in question. They said that there was nothing they could do because they did not have that account. I also had the same experience with Charter. I did find it strange but since I couldn't get proof that the accounts existed I got frustrated and left it alone. 
Fast-forward to XXXX I found out that Equifax had a data breach and I believed this was the reason for the erroneous collection accounts. I disputed the accounts through my XXXX XXXX account and nothing happened. 
Still to this day, I am suffering financially, and emotionally from these incorrect accounts mainly because they keep posting as new open dates on my credit report. I am still trying to understand my rights and which dispute letters are most effective. I am suffering from homelessness at the moment and could use my rights to obtain fair credit but I am not able to get anywhere with these companies. I did file an identity theft report though I can not prove how my information is being used other than the erroneous accounts that originally popped up in XXXX. 
These reporting agencies are getting paid for keeping us in debt and there is no way they should allow a debt collector to report information without proof but make it hard for the consumer to dispute it and remove it. I am suffering from this currently. I am homeless with a job and do not qualify because it looks as if the debt is new and not over XXXX XXXX XXXX. I did lose some documents in storage due to homelessness.
Consumer complaint received 2023-04-08
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)

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-20
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. (GA)

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-20
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. (GA)

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-20
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. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (FL)

ON XX/XX/XXXX I WAS AT A PLACE CALLED XXXX XXXX AT XXXX XXXX XXXX XXXX FL XXXX PH XXXX AT THE CASHIER - WAS TRYING TO PAY FOR REPAIRSS TO MY XX/XX/XXXX XXXX MOTORCYCLE AND THEY SAID THEY WANTED TO MAKE COPIES OF MY CREDIT CARD FRONT AND BACK AND A COPY WITH MY FLORIDA DRIVER LIC - I SAID NO - BUT THEY SAID IT WAS POLICY AND THEY DID THIS TO ALL CUSTOMERS - I BELEIVE THIS IS A BAD AND POSSIBLE ID THEFT AND FRAUD IN THE MAKING - YOU NEED TO INVESTAGATE THESE PEOPLE BEFORE THEY STILL PEOPLES MONEY AND ID ETC
Consumer complaint received 2022-07-20
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

Over the years I was steered toward taking multiple forbearances while struggling as a young professional. I was encouraged by XXXX XXXX and navient on multiple occasions over the years of XXXX to XXXX to take forbearance on my loan since I had a very high cost of living in XXXX XXXX. Over that period I feel like I was recommended that course of action every year when I would call to tell them I was poor and struggling. They managed to get several thousand more dollars out of me and I will be paying my loans until I am XXXX XXXX XXXX.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX/XXXX/15 a charge of {$95.00} was posted to the account by XXXX XXXX XXXX NJ, which we noticed on about XXXX/XXXX/15 and called Amex right away to dispute the charge as fraudulent, dont know if they disputed or not but were notified that the charge is valid, accordingly its invalid, never were at the spa or used their service. 
According the charge XXXX XXXXThe expiration date provided is different then the one in the card, the signature is different then our signature that we sign anywhere civil and government documents bear different signature. 
However Amex easily defrauds customers ... .. The charge is plain fraud. We explain to amex ... Amex claimed that is unfaired that their company should absorve the costs.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

After being discharged from this medical facility I was provided with medical records for another patient that was being seen on that date. I could not even provide proof of hospitalization to my school due to this huge HIPPA violation. In addition I received a bill for test that I am not even sure was performed on me. At that time I was pregnant but according to the test results that belonged to another patient I was not. I have sent a debt verification letter to request detailed billing and I tried to contact some in the billing department of that medical facility shortly after being discharged. I have no trust in this medical facility or any charges that I am deemed responsible for.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

My American Express credit card number was stolen and used fraudulently for purchases at XXXX different locations of XXXX XXXX in XXXX. I was completely unaware that my card was compromised until American Express finally blocked a card. I follow everything that American Express told me to do : filed a police report, completed a fraud form and submitted it to American Express. After three months of so -called ''investigation '' i received a letter from fraud investigation department stating " We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. On the date XXXX XXXX, 2015, when the fraudulent purchases were made at XXXX XXXX XXXX, XXXX, for {$2900.00} and then again at XXXX XXXX, XXXX, for the same amount {$2900.00}, i used my card in XXXX, XXXX to pay for lunch at cafeteria at the hospital where i work. I would assume that this should bring red flag and prompt American Express to take some action, but no, those charges went unimpeded. After successful shopping at XXXX those criminals had a chicken lunch at XXXX, XXXX and paid with my credit card {$29.00}. Also they serviced a car at XXXX, XXXX, for {$75.00}. Next they waited and used my credit card numbers on XXXX XXXX, 2015 to shop again at XXXX XXXX in XXXX, XXXX, for {$2800.00} and at XXXX XXXX in XXXX, XXXX for {$3600.00}. Those charges went unimpeded as well. On XXXX XXXX, 2015 i used my credit card to pay for parking my car at the parking garage in XXXX. American Express Fraud Investigation Department conducted so called investigation and came to conclusion based on ''history and notes '' that this is not a fraud and therefore i have to pay for fraudulent unauthorized charges on my account which they, by the way, closed and opened another account for me.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I opened a checking and saving bank accounts with Welles Fargo Bank for my business and a Nonprofit organization, at the time of opening my accounts with Welles Fargo Bank they told me there is no monthly fee no minimum as long as I have automatic transfer of {$25.00}. or {$10.00} each months. after a period of times they changed the role without sending me any notice, I am on paperless I do not get any alert or notice from Welles Fargo Bank, they know that so alL of a sudden they start charging me {$10.00} fees, without telling me, when i checked my accounts on line i find out shortage in my accounts and they abused me charging me a fees, after i complaint they told me if i deposit money to bring my balance over {$500.00} they will not charge a fees any more so i did deposit more money to my accounts, i had over {$20000.00} with them on multiple accounts, then they start charging me a fee again this months, i complaint they told me they can not reverse the fee even i had meet the requirments minimum balance. Welles Fargo Bank is abusing consumers many different ways hoping we do not find out since we are on paperless and saving mailing postage and paper cost for the bank they abused us.

they need to notify consumer by registerd mail before starting any charges. or they get a class action law suite for abusing consumers.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX Headquarters XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have read a review written at the portal of CFPB ( XXXX ). On it, your employee mentioned please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. It is fine to mention any service which has done by others for other person to be charged ; however, in this case, I have paid off all debt every month. As you must have checked my credit record to create a credit report, you must have checked my credit history officially ; therefore, it does not make sense you mention about credit repair company on my case. If you believe I need the service of credit repair company, you must have seen somebody else, who have bunch of debt and might be in danger of bankruptcy. In this case, I believe the necessary to ask the official investigation why your company employee considered I need the assistance of credit repair company, whose credit history this person has checked, and is that person, whom he/she has checked, has had the name, XXXX XXXX XXXX since I have the right to ask this legally sensitive question as a victim of identity theft. 
Sincerely,
Consumer complaint received 2023-04-08
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. (NY)

accordance with the Fair Credit Reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy According to the 15 u.s.c 1681 section 602 states I have the rights 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 15 U.S.C 1692C These addresses do not belong on my credit report
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (AL)

I am submitting this complaint on behalf of myself. It is sad that the credit reporting agencies can flat out violate the federal law like this. After several calls to XXXX, XXXX, and Equifax and the reps hanging up in my face I am here to get resolution. This is a direct violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.. I not once gave the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I will be be taking this to the next level if this is not corrected. It clearly states that once I notify each credit report agency of any error it is to be removed and corrected. I am the consumer and I am the person to identify this information for validation. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citi Gold checking account with promotion code XXXX. This promotion was for XXXX Thank You points. I met the terms of the promotion. On multiple occasions I called and asked if I was enrolled in the promotion and I asked when I would be receiving my points. I never got my points despite Citi informing me that I was enrolled in the promotion and met the terms of the promotion. Eventually I opened a support ticket to get my points. Citi then stated that I was not targeted for the promotion and that I already had opened an account recently with Citi which disqualified me from the promotion. This is not acceptable. Citi should not inform me that I met the terms of the promotion and was enrolled in the promotion only to tell me after I met the terms of the promotion that I was not eligible to receive the promotion. This is completely unacceptable behavior. I have been reading accounts about this happening to many other individuals online. Citi should honor its word.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IL)

In XXXX 2014 I went through taking out a mortgage with US Bank. I used them simply because I had banked with them for 20 years and thought it should simplify the process. It did not. The process was painful, rattled with errors and lack of accountability on part of anyone at the bank or in the mortgage underwriting/processing division. Part of the mortgage was taking out a HELOC so we could avoid the PMI insurance and keep some money in our savings account versus draining it. When discussing with the mortgage advisor at US Bank ( XXXX XXXX ) he gave us the option of a HELOC since the interest was only about 30 % the cost of what the PMI would have been. We agreed and discussed that we only wanted the loan for a year/wanted to be done with it quickly vs dragging it out. He assured us that was n't a problem and that it was an interest only loan allowing us to pay it back on our own timeline/as long as we needed. Two weeks ago we went into the bank to pay it off/close it down to release the lien from our home ... and they told us that since we were closing it so soon we had to pay a {$500.00} penalty for paying it off early. A {$500.00} penalty for paying off a loan early?? This is something the CFPB should focus on with big banks. That should be beyond illegal. This encourages debt/the debt cycle. This also goes against the mortgage seller at the bank and what he told us. Either he lied ( frankly most likely considering the process and how I ca n't believe that team is allowed to lend large sums of money ) or he was uneducated. Either way, it is the responsibility of the bank to deal with it. I received a customer service response to my complaint saying that they are sorry and they forwarded my note to XXXX and his Manager to respond to/address. It has been nearly 2 weeks and no response. Not that I expected it but did ask for it.