davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$440.00}
Consumer complaint received 2022-01-12
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: U.S. BANCORP (FL)

I was send a flyer by a company by the name of XXXX XXXX promising that for a fee, they can negotiate a cancellation of my Time Share that I can no longer used. I went to a meeting and was convince that they can, made all kind of promises. Since they were accepting payment on my credit card, believing in the ablility of Credit Card organization to help recover fund if the merchant prove to be unreliable I agreed to pay using my cards. However, since that time, except for two interactions, all contact stopped, and despite all attempts there were no response. 
AT that point I contacted my credit card company, XXXX under Elan Financial. Despite the fact that the service itself was to be provided at a later date, between 12 and 18 months, XXXX is refusing to take any action on my behalf hiding behind the FCBA regulations. They are claiming that the charge was older than 90 days and there is nothing they can do. 
In fact, today I, one more time, called the number given on the credit card charge, someone by the name of XXXX answered but immediately told me that my dispute is with XXXX XXXX and they have no affiliation with them. Based on this interaction, I believe that the whole transaction was fraudulent and should be looked into by a goverment agency. 
As far as I am concerned, XXXX acted as an agent of that merchant and should be responsible for their fraudulent action. In fact, if XXXX did not legitimize them, I would not have accepted to enter into a transaction by paying cash or check. I truly believe that in case of problem I could always depend on them for a fair and equitable resolution.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My minor sister has a bank account with Bank of America. My father was the guardian. My father passed away in XXXX. I was appointed her guardian. I provided Bank of America with the XXXX XXXX in early XXXX. I provided them Letters of Administration, Orders from the Court, the Guardian Order appointing me as the Guardian. I have called them so many times I can not even remember how many. I have waited on hold for hours. I have went to banking centers. I waited in banking centers while a manager called headquarters and argued with them about getting it resolved, but even he was unable. No one has been able to help me. They refuse to change the account to appoint me as the guardian even though they have everything they need. 

This is outrageous. It has been 5 months. Please help. They are wrongfully withholding this money that the minor needs. They keep telling me they will call me but they dont. Then when I call them, they put me on hold and dont do anything to fix the problem.
Consumer complaint received 2022-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

I was watching tv I got a request from an unknown person asking for XXXX I declined one second later all my money which was XXXX was sent to a person and said that I sent it which I did not send it Cash App is not helping me they basically said it was an Authorize use Nobodys never seen my phone or pen I do facial recognition I filed a police report I dont know what else to do I did not send it nor do I know the person and Cash App is not helping me
Consumer complaint received 2022-04-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX 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 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 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

Interest is being accrued and payments are due despite Covid relief measures in place. AES is the servicer. I have been required to make payments since XX/XX/2022. Interest is being charged and has been charged throughout Covid. I have XXXX subsidized and Unsubsidized consolidated loans. I received the maximum pell grant amount while I was in college. Who is receiving the interest being charged to my account?
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (ID)

On XX/XX/2022 at XXXX XXXX XXXX XXXX, i called the number provided to speak with XXXX XXXX, at extension XXXX, about a credit deletion we were discussing previously. I had my mother on the phone as well because she had planned to help me with a payment, on this call we learned I had been given misinformation by XXXX the day before so now I needed to discuss with my mother privately because we didnt have the funds for what they were asking. XXXX then harassed us for several minutes about a settlement instead before we disconnected with a plan to speak again at XXXX XXXX XXXX. I called XXXX twice at this agreed time and was met with no answer, but I was told if I missed incoming calls from them, I would have further action taken against me. I left a voicemail with the thought that maybe he was tied up in something for a minute ; I received no calls for another hour and 15 minutes so I called again at XXXX XXXX XXXX. XXXX did answer this call and I informed him that I would no longer be pursuing any settlement or deletion, I no longer give my permission to administer the payment set up, and the only thing I would like to discuss was getting a validation letter of this debt, in writing sent to my current address. XXXX then began to berate me as to why I changed my mind, what my mother and I talked about, insisting I shouldnt do this, trying to give me more settlement offers, and going as far as waving down another representative to help berate me ; all while I was repeatedly asking him to stop, told I didnt want to discuss further details of my private conversations or why I was making any decision and repeated what I asked for. The other representative was XXXX XXXX, once he came on the line he began the same speech that XXXX had and then insisted I was letting my mother make my decisions for me, that I was unaware of the decisions I was making and unaware of what the correct decisions were, that I was ruining my credit, that I needed financial counseling, insisting I needed to listen to him and his advice, as well as talking over me constantly, telling me they had to request a letter of validation and wait for that to be approved so I should just mail them a request for specific information ( which I can do, but legally they have to provide me with a validation letter of the debt ), also called me childish and unprofessional for not listening to him and asking him to stop, and then hung up on me. I also have a recording of this conversation due to the first interaction this morning and I see no issue since they informed me they were recording as well.
Consumer complaint received 2022-04-23
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. (CA)

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, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Never late. Paid satisfactory. 

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 2022-08-25
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: CITIBANK, N.A. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there several inaccuracies showing on my report? 

CITI BANK is in violation of U.C.C 1-308.4, HJR 192, 12 U.S.C 411 , U.C.C 3-603 , and U.C.C 3-311.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have a Capital One Credit card that was charged off in XX/XX/XXXX. I started a payment plan with Capital One in XX/XX/XXXX to pay off the charge off in 4 monthly installments. The last monthly installment will be in XX/XX/XXXX. My recent XXXX credit report is showing a late payment after my third installment payment. It changed from 120 days overdue to bad debt / collection as marked on my XXXX credit report. Since this account was charged off in XXXX, the resumption of payments in XXXX should not be reflected as late payments. Please remove this recent late payment information from my XXXX credit report. Thanks
Consumer complaint received 2022-10-17
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX : {$4000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$9000.00}
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MN)

I did a lease buy-out with Hyundai Motor Finance in XX/XX/XXXX. I received my title but upon when I visited the MN XXXX, they said I needed a taxes paid form along with a corrected title as they advised me to write an incorrect amount on the wrong line on the back of the title. I have been calling XXXX Customer Service since XX/XX/XXXX to resolve this issue and receive the forms. I am told time and again, in XXXX days I will receive the forms and never do. This is repeated again and again for months. Fast forward to XX/XX/XXXX and I am in car accident and my car is totaled. I can not receive the payout for my car because XXXX has yet to send me the corrected title and certified taxes paid form. I called again on XX/XX/XXXX and spoke to a supervisor XXXX who essentially told me that all customer service agents had lied to me over all these months as they do not send these forms without a WRITTEN request! This is the FIRST time I had been advised of this. I got off the phone and promptly emailed XXXX the requested information ( I just realized on the letter I have XXXX, a typo on my part as it is XXXX ). I called again on XX/XX/XXXX as I had not yet received confirmation of receipt of the email nor anything in the mail. I spoke to supervisor XXXX who told me that there is not a number to call to contact titles nor could he tell me had the information been received. He only said he will send an email and I would have to call back. It is now XXXX XXXX and I have not received any email or mail correspondence or documents. I called customer service again and after holding for XXXX minutes for a supervisor she told me that no supervisor would answer the phone and they must be closed! How can anyone solve issues when no one takes responsibility nor action in solving issues for customers?
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX, I used a 0 % Balance Transfer check offered from my Chase Amazon account ( XXXX XXXX XXXX XXXX ) in the amount of {$6000.00}. On my statement ending XX/XX/XXXX, the 0 % Transfer Amount was included in my " Interest Saving Balance. '' The interest saving balance is calculated for the amount needed to pay off expiring merchandise with a % 0 interest for six months Equal Pay Offer. I believe the {$6000.00} Balance Transfer should not have been included in the Equal Pay Offer balance as it was interest free until XX/XX/XXXX. 

On XX/XX/XXXX, I made a payment of XXXX which satisfied the minimum payment amount due. I also made a {$600.00} payment on XX/XX/XXXX. I had chosen an automatic Minimum Payment draft, and these payments, having satisfied the minimum payment, should have completed all payments for the month, as has been the policy in all other months. 

Instead, Chase used the Automatic Minimum Payment option to place a withdrawal demand from my bank in the amount of {$5900.00}. As I did not have that amount in my checking account, I was charged {$27.00} return check by Chase and {$27.00} dollar return check fee by my bank. 

In addition, payments made after the processing of the Balance Transfer check have been used to reduce the Transfer check balance. The {$6000.00} balance for the Transfer Check due in XX/XX/XXXX has a calculated balance of {$4900.00} as of the XX/XX/XXXX statement. Because of the payments to the Transfer check, we no long have credit available for normal and customary charges as payments have not been used to pay down our interest bearing charges. 

On XX/XX/XXXX, I received another demand letter from Chase in the amount of {$5900.00} to satisfy the unauthorized auto-pay from my banking institution. 

In summary : Chase included an interest free Transfer Check balance, that is not due until XX/XX/XXXX, as part of an Interest Saving Balance payoff amount due in XX/XX/XXXX. How can an interest free transaction be due before the payoff date? 

To satisfy the calculated amount in error, Chase made an unauthorized draft in the amount of {$5900.00} on XX/XX/XXXX. This unauthorized draft resulted in a returned check fee of {$27.00} from Chase and {$27.00} charge from my bank. 

On XX/XX/XXXX, I received another Demand Notice from Chase to pay {$5900.00} to satisfy an amount not due until XX/XX/XXXX. 

Chase has allocated payments received to reduce the lowest interest charges. 

Chase bank is unable to accept secure messages on issues other than the menu of options available. Due to long wait times, phone calls are disconnected if they are over the time allotted for phone calls. Scheduling a call is not available. At this point, I believe the CFPB is my only recourse in resolving this problem. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-03
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)

In accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
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. (IL)

PLEASE SEE ATTACHED COMPLAINT : XXXX has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. XXXX has used threats and XXXX against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or my family.