davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # 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.

I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (WI)

Only XX/XX/XXXX, we recieved a phone call from National Credit Systems stating we owed them {$160.00} based on a collected from our previous landlord. Because we didn't believe we truly owed them money, we asked them to send a verification/proof of this debt to my husbands email. That email never came. A week later, we recieved another call, and again we told them we would not pay until there was proof. This time, I took it upon myself to send a " proof of debt verification '' to their P.O. box. That was on XX/XX/XXXX. They have up to 30 days to reply to this proof of debt letter. After sending that, we continued to recieve harrasing calls from them. Finally, the 30 days had gone by and we continued to recieve phone calls from them so I send an email stating that the 30 days to prove we owed them {$160.00} had passed, and they no longer had any legal grounds to continue calling us. I also sent that via an email. I did not receive a reply to that email. We continued/continue to recieve phone calls from them with no proof that we owe anybody any money.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

To Whom It May Concerned : A : On XX/XX/2020, I received letter notifying me that my checking account at US Bank was cleared. The letter stated that ChexSystems @ would be contacted. 
B : On XX/XX/2020, I paid XXXX XXXX XXXX a cashier check of {$140.00} to complete any penalties on my checking account. 

C : On XX/XX/2020. my application at XXXX XXXX for a new checking account was denied, because XXXX @ hasn't cleared my status. 

1. ) Therefore, could you please expediate the updating of this information on XXXX @, so I can open up a checking account ASAP. 
2, ) Could you send me the results 3, ) To Both : XXXX or XXXX 3., ) My Name Is : See attached pdf files for confirmation of payments and clearance of my accounts. 
Please expediate any other issues that you may find. 
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX
Consumer complaint received 2020-12-14
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: BARCLAYS BANK DELAWARE (TX)

Used XXXX to plan a trip my card was charged in total {$2700.00}. I emailed XXXX tried calling, I knew COVID was effecting travel but never dream a company would take advantage in these times. I filed a dispute with Barclays within the time frame and was told they could not help me. My husband and me are retired and on a fixed budget. Please let me know what can be done. 

Thank you
Consumer complaint received 2022-10-10
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)

XXXX XXXX XXXX # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active XXXX  says XX/XX/XXXX, experian says XX/XX/XXXX while XXXX says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-20
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: Informative Research (IN)

I have filed in a dispute in regards to the incorrect items on my credit report. It has been well over 45 days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60 days now that I have filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.
Consumer complaint received 2020-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

We sent {$200.00} deposit via Paypal for a puppy dog. we later found out it was a scam.

Paypal can release other party 's information only if ordered by a court. my bank is trying to somehow get money back with cooperation with Paypal. Refunding is not as easy of sending money. money sent to  XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (GA)

I filed a dispute XX/XX/22 and requested Experian verify and validate the collection account listed as XXXX XXXX XXXX on my credit report.Experian updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, Experian and XXXX Failed to provide documentation. This account also reports a monthly balance in its charged off status.
Consumer complaint received 2020-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (CA)

During XX/XX/2020, I applied for a loan through Speedycash.com and was approved for an amount of {$250.00}. I was offered two ways to receive this payment - through direct deposit or in-person at a Speedy Cash location. I chose direct deposit and waited to get my payment. After not receiving the funds and contacting them multiple times, I became worried and stopped any withdrawal from them through my bank account. I have contacted their claims department several times sending them bank statements as a proof of not receiving funds. Despite my efforts, they have harassed me every day since then demanding a repayment of {$300.00}. However, I was not given the service I was promised. Now they are threatening to send my account to collections. I have provided everything necessary as proof of not receiving funds and now need some extra help.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I received my credit report on XX/XX/XXXX, and noticed some addresses and names that were incorrect. So I contacted Experian on their website and tried to dispute the wrong addresses and names. The website said I needed to send proof of residency and my ID. Which I did on XX/XX/XXXX. I sent a letter asking them to remove all other names and addresses from my credit report. I'm scared of Identity theft and if their addresses are receiving credit card offers in my name. We live in a crazy world. The tracking number for the letter I mailed to Experian certified USPS is XXXX. After mailing the letter, I waited 5 business days. Then I checked to see if the incorrect information was deleted. I was shocked that the incorrect information was still there. I had no problems from XXXX or XXXX. So I called on XX/XX/XXXX to see if they needed anything from me to remove the incorrect information, but they flat out refused to remove the incorrect names and addresses. So I decided I would give it a week or so and try again. So on XX/XX/XXXX, I called again to be told they will absolutely NOT remove any of the incorrect information. I have tried every avenue I can think of to get this problem resolved. According to 15 USC 1681 : I have not given my written consent to any person or company to put my personal information on my credit report. The incorrect Addresses on my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The incorrect names are : 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. 
Please help me get these removed.
Consumer complaint received 2022-12-15
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: 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, XXXXXXXX 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 

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 has reasonable cause to believe that the information is inaccurate.

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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DE)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Credit Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

i dropped off my mortgage check from my XXXX  account in a XXXX XXXX XXXX in the beginning of XXXX and it must have been stolen because it was cashed XX/XX/XXXX and when i checked my online account the image of the check that was cashed was my check at a wells fargo but altered to show the payee name of XXXX XXXX and the memo was erased from the check. I called my bank ( XXXX  ) to report this check and a claim was open. I sent in the claim paperwork required and showed proof of my carbon copy which is the only check i would mail out. all the writing ion the checks is the same on my carbon copies, which is how the bank was able to agree that the check was altered. I've been waiting for wells fargo to respond to XXXX XXXX emails regarding my claim since XX/XX/XXXX, i was told it would be 60-90 days, then 120 days and now 5 months later, Wells Fargo has yet to respond to XXXX on the fraudulent check that was cashed out with an altered check. I was told by a rep at XXXX  that if wells fargo doesn't respond that there is no way to get my money back and that is devastating. I'd appreciate any help!
Consumer complaint received 2021-10-07
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-12-15
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: JPMORGAN CHASE & CO. (OR)

I had a trip to XXXX XXXX for vacation with my wife. We sat outside a XXXX XXXX  and had a few drinks. We had our card on file as we had to do that to have an open tab. We left the XXXX  and the next day noticed charges that were not ours but from some random group that was sitting next to us. The merchant charged us for their drinks. We disputed the charge multiple times and were told it was a legitimate charge and it was denied. I asked it to be reconsidered multiple times which I had to write a letter and fax it in as the would not do any reconsideration over the phone or email. I believe this is a tactic to cause so much time and frustration most people drop it. I asked Chase more than 10 times now for evidence that I signed for transaction but they will not provide it. I have asked Chase more than 10 times for arbitration as the contract says I have to arbitrate it. I reviewed this with a lawyer and he says I could file small claims or a direct arbitration but both of which are multiple times more than the dispute. I have found multiple articles about this fraud on our local XXXX news that Chase did the same thing to many others. I want to join a class action or other ability to get Chase to stop denying these legitimate claims and uphold their contract which they are in breach. Please help. 
Chase dispute claim # XXXX XX/XX/22 XXXX XXXX XXXX XXXX {$170.00}
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is not a duplicate item. Nor was the last case submitted to you all. Any further attempts to not submit the requested information will result in legal action. Several collection agencies have contacted me stating that your company sold them debts for all closed accounts with XXXX XXXX. I believe that I am victim of undue harassments. In accordance with the FCRA and FDCA, please send the following : -A list of fees that were charged to the account -when the accounts were closed -Who did XXXX XXXX sell the debt to and when was it sold. -Does XXXX XXXX or XXXX XXXX XXXX have any interest in the debt and if so please provide any contact information on who to contact to settle any balances that may be due
Consumer complaint received 2021-09-28
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)

XXXX, XXXX and Equifax are reporting some fraudulent accounts on my credit report.. here are the list of fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (NY)

CKS PRIME INVESTMENTS Address : XXXXXXXX XXXX XXXX NJ XXXX XXXX Account # XXXX Request the immediate removal of the account # XXXX from my credit report. This account is falsely reported and does not belong to me. 
I have no knowledge of this account and dispute its validity. 
This false reporting has adversely affected my credit score and financial standing. 
I kindly request the CFPB to investigate this matter and assist in the validation of this debt. If it is determined that the debt is not valid, I ask that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 


And this account have no proof of accuracy and no proof of Validation and the amount of this debt not is mine. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

This is not a duplicate item. Nor was the last case submitted to you all. Any further attempts to not submit the requested information will result in legal action. Several collection agencies have contacted me stating that your company sold them debts for all closed accounts with XXXX XXXX. I believe that I am victim of undue harassments. In accordance with the FCRA and FDCA, please send the following : -A list of fees that were charged to the account -when the accounts were closed -Who did XXXX XXXX sell the debt to and when was it sold. -Does XXXX XXXX or First Citizens Trust have any interest in the debt and if so please provide any contact information on who to contact to settle any balances that may be due
Consumer complaint received 2022-05-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION ()

This is a second complaint. Dont waste my time. I am Mr XXXX XXXX XXXX from XXXX XXXX. I would like to report a suspected money laundering and fraud incident and request a recall for a number of wire transfers made from my account in XX/XX/2020, in the total amount of XXXX USD. At the time these transfers were made, I wished to use the services of an online merchant by the name of XXXX XXXX, who I contacted through their website www.searahealths.net which claimed to provide me with facemasks. In order to receive the shipment, XXXX XXXX instructed me to transfer money to a specific beneficiary, XXXX XXXX, that had an account with Fifth Third Bank in the United States. After I settled the payment I expected to receive the masks. When I did not receive the masks that I paid for, they kept promising me that they would refund my money but have not done so. They are not replying to me any more. This situation has hurt me a loss and is a very big financial loss. I feel very stressed and need psychological help. I am reaching out to XXXX, to assist me by requesting the beneficiary 's bank, Fifth Third Bank to launch a fraud investigation against the beneficiary company, XXXX XXXX and reverse ( or recall ) the transfers if the funds are still available in XXXX XXXX 's account. Finally the beneficiary 's bank rejected my requesting. Further action : I have reported to XXXX XXXX Police. Case references : XXXX in XXXX