davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, and Equifax has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/2021 I received notification from Synchrony Bank Sams XXXX Card they were closing my account for " fear of failure to pay. ( Also received same letter from Amazon/Synchrony Bank ) I contacted them ( Synchrony Sams Club ) not understanding why they would do such as thing, as I have had their card for 15 years and paid in full on time every month. They sent a response letter stating they have the right to do it for any reason and see attached agreement which there was none, and now the reason they are giving is " I have too many synchrony accounts ''. I have 2 a Sams Synchrony and Amazon Synchrony. Both Sams Club and Amazon approached me promoting their cash back programs. Now when its time to pay up the cash back I earned, ( almost {$3000.00}!!! at Sams alone ) they cancel my cards. Talk about unscrupulous! .. Please help. This is so wrong and unfair. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-07-18
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. (NC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020, I put my shoes on XXXX XXXX, and sold it to " XXXX XXXX '' ( XXXX name ) through Venmo for {$380.00}. After I got the {$380.00} in Venmo, I transferred it to my bank account, and it usually takes few days. However, after a month, I still didn't see that {$380.00} transfer to my bank. So I contacted Venmo, and they told me that person has disputed his payment which is {$380.00}. So I tried to contact " XXXX XXXX '' on XXXX but found out he blocked me. I didn't know Venmo allows people to dispute their payment through the bank for no reason. The guy who disputed the payment, his Venmo ID is " XXXX ''. Venmo have created a case for it, and the case number is # XXXX. However the Venmo agent, XXXX, told me that they will do nothing about it. Not even contact the bank for the fraud disputed. I went to the police department to file a report. The report number is XXXX, and the phone number of the police department is XXXX.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I had an account balance of {$56.00} on my XXXX XXXX credit card in XX/XX/2018. I tried to pay it in full but the payment was " reversed '' that month. The following month, I paid {$57.00} and thought my account was paid in full ( including any interest ). I didn't realize that XXXX XXXX had charged me {$27.00} in late fees at that time. XXXX 's then proceeded to charge me ( i ) late fees of {$27.00} and interest charges of {$2.00} in XXXX ; ( ii ) late fees of {$38.00} and interest charges of {$2.00} in XXXX ; ( iii ) late fees of {$38.00} and " interest charges on purchases '' of {$2.00} in XXXX ; and ( iv ) late fees of {$38.00} and " interest charges on purchases '' of {$3.00} in XXXX. My account balance is {$180.00}. I have electronic billing and did not realize this balance was accumulating until I received a letter in the mail recently. 

I called XXXXXXXX XXXX to request removing this large sum of late fees, especially considering I had already paid of my balance -- each fee itself is high and seemingly untethered to any balance. I spoke with three different people in customer services, collections, and escalation, and the most I was offered was waiver of the last two late fees, totaling {$76.00}. I requested that waiver and asked if there is anyone else I may speak with because the fees seem unreasonable and punitive simply for failure to pay the initial late fees. I was told I can speak to whomever but the most the system allows is for someone to waive two late fees. 

I am retired and unable to afford this. I don't believe it's reasonable for an institution to stack late fees upon late fees with no apparent cap, and totaling in nearly {$200.00}. I was even told that if I don't pay the balance by XX/XX/XXXX, XXXX XXXX will charge another {$38.00} in late fees. I would really appreciate your help in sorting this out because I simply can not afford these crushing and unfair fees. I also note that my account still does not reflect that any of the fees have been waived, as promised.
Consumer complaint received 2018-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I sent {$150.00} by logging in to my wells fargo app via XXXX I am a first time XXXX user I submitted the payment to the wrong email address due to adding a zero it was sent to someone with a wells fargo account instead of going to a XXXX account I called Wells Fargo immediately and was told to wait 48 hrs i have went inside the branch 3 times requesting help and all they say is for me to contact the person of whom i dont know and all they say is they see my funds in someone wells fargo accounts today i called and a rep says XXXX is like a lottery and i gave free money to a unknown person..I could see if i have used this service before then I should be savvy in transferring funds but I dont have a clue and my financial institutions is not FDIC my funds or going to bat for me and its all internally im at a lost for words I will never use this application again XXXX XXXX offers its user better help than wells fargo please help thank you in advance
Consumer complaint received 2023-01-22
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. (GA)

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXXXXXX XXXX XXXX XXXX OPEN - all 3 XXXX XXXXXXXX - OPEN - all 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-26
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)

I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( PAANL ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion should not be reporting a Foreclosure as well as ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX Bank in 2014 and should not be reporting a balance. ( I have attached a copy of the Title Certificate for reference. ) This false reporting of lates and a foreclosure is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-04-20
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. (IA)

In accordance with 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 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 2021-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IN)

I opening a savings account with credit karma last year when I filed my taxes. Unfortunately my last stimulus payment went to that account, the 2 before that did not. Ive been trying for almost 2 weeks to link my bank account. There is no phone number to call, and every time I reach out on support I get someone different and they give me the general steps to link an account ( which is not working ). Once I finally get across that I need something else to be fixed on their end I never hear back they will pass it along to someone more experienced with the problem and I never hear back, just to start the process all over again a few days later. I tried going to my bank and having them pull it from this end, only to succeed for it to be reversed a few days later. This is entirely too much money to leave floating out there, especially when its needed.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. 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 Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. Experian Account Name : DPT ED/XXXX Account Number : XXXX, has violated my rights. Experian Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. Experian Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated 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. The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from Experian, XXXX, and XXXX XXXX shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and Experian, XXXX, and XXXX XXXX has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until XXXX XXXX 10 years ). The President of The United States, Joe Biden, also announced student-loan relief for borrowers.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (PA)

I did not consent to, authorize nor benefit from any of the following inquires.Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Police and fire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CREDIT XXXX XXXXXXXX, CREDIT XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westlake Services, LLC (TX)

well, I pay {$30.00} a month to XXXX  and XXXX  to me with fixing a thing that I figured would be easy considering all the documents I've sent. The more I try to fix inaccurate information the worse both make my report. The people just don't understand English very well and do not understand the issue. I've had to a credit card company cut my card off because XXXX  said it was related to fraud. the account was not related to fraud the two-month first premier report my payments late was not my fault they were late.they were late because of a fraud-related problem affecting my taxes and financial aid for school.com. Another issue I am having with XXXX is when I call them I noticed what they see in my report is not the same as I see when I'm login to my membership account. .Almost always they open another dispute after I get off the phone with them. a couple of times this has happened and I didn't make a dispute. They have the amount of money I have available wrong on my accounts the card limits on cards the date accounts were open. They do the opposite of what I tell him or show them. I paid my only two cards off they have a credit limit for both backwards and the account were both at XXXX for two months. now XXXX and XXXX with remaining available credit of XXXX, not XXXX. I think XXXX  is the problem not my who I have accounts with
Consumer complaint received 2023-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : Capital One account number XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumerr XXXX XXXX and the person XXXX XXXX XXXX Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (CA)

I am filing this report because I applied for a XXXX  credit card today XX/XX/2020 and I was not approved because I guess there are two accounts in negative standing on my credit. The accounts are from XXXX XXXX & XXXX XXXX. Those accounts are not mine ; I never opened them and I did not allow anyone to open them in my name. I do not have any written/verbal contract with either of those companies nor did I gain anything such as money, goods, services or any other benefit from these accounts and I never contributed to any payments made towards those accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2023-01-20
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)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX  should not be reporting a Foreclosure as well as ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX XXXX  in 2014 and should not be reporting a balance. ( I have attached a copy of the Title Certificate for reference. ) This false reporting of lates and a foreclosure is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-18
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. (NC)

For the past two months, I have been trying to resolve the inaccurate reporting to my credit reports with XXXX and TransUnion. My first letter to both bureaus was sent on XX/XX/2020, and XX/XX/2020, that requested to remove the derogatory reporting of the months of XXXX and XXXX as this account has never been late. During this time, I had spoken to XXXX XXXX   several times to verify their reporting. The customer service representative transferred me to the escalation department and expressed on numerous calls, the account on their end is NOT reporting 30 days late for XXXX or XXXX, and, that they will send another update as well as advised me to contact XXXX and TransUnion again. In my XXXX letter to both ( TransUnion and XXXX ), I had requested the paperwork that backs up their detailed reporting that goes over the procedure of their independent investigation and any other paperwork that states the account is past due. And that this needs attention immediately as this has impacted my credit scores and credit payment history. XX/XX/XXXX credit reports results came back from both ( TransUnion and XXXX still reporting 30 days late for XXXX and XX/XX/2020 and they never sent their documentation of their independent investigation to show how they are receiving the information. XX/XX/XXXX, I called back to XXXX XXXX and per my conversation with my mortgage company with the Escalated Credit Manager XXXX ID # XXXX ( XXXX Ext XXXX ) has stated their department has sent over updates numerous of time reporting XXXX and XXXX has been paid as agreed. This account has never been late. Per the guidelines and policy of FCRA, which promotes accuracy and fairness in the files of consumer reporting agencies, XXXX and TransUnion are in violation of reporting inaccurate information. However, the XXXX bureau is reporting paid as agreed. Now, I am contacting CFPB to help resolve this ongoing issue. Thank you
Consumer complaint received 2020-07-18
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: Global Lending Services LLC (FL)

I authorized an agent at a XXXX retailer to check my qualification status for a loan on a trade-in. The agent then proceeded to pull my credit 4 times, from four different lenders without my consent.