davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo froze my account for sometime. Holding funds that was in the account refusing to release. Only after months they actually mailed out a check with what could have possibly been the balance at the time of the freeze. I felt like it was unfair. I talked to people at the bank during that time and just couldnt get any assistance. I went through hardship after my account became frozen.
Consumer complaint received 2023-01-23
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: Chime Financial Inc (IN)

I returned merchandise from a skincare company called XXXX. They issued my refund on XXXX XXXX XXXX  the funds were still not back in my Chime account. I called Chime on XX/XX/XXXX and spoke with XXXX different employees : XXXX representatives and XXXX supervisors. All XXXX said they had not received notification from XXXX that my refund was initiated. I told them I had email documentation proving XXXX did initiate it. 

I also said I had filed a dispute against the charges on XX/XX/XXXX and never heard anything about the status. Initially Chime said the dispute would be completed no later than XXXX  (! ), which is a completely unacceptable length of time. Customer Service said they were still working on the dispute. XXXX representative - who is in Chime 's dispute department- told me Chime contacted XXXX on XX/XX/XXXX, which his supervisor- also in the dispute department- said is incorrect and she would pass that on to him as a training opportunity. 

I asked the dispute supervisor for the exact status of my dispute - not just whether it's done or note, but what day they contacted the merchant and what information they have gathered from the merchant so far - and she said she doesn't have any information because the investigation is done by a different department. She said all she could say is that that department is currently working on my dispute. I said, so there's a department that tells customers whether their disputes are being worked on or not, then there's another department that does the actual work? She said yes, and that department doesn't have a direct line of contact. 

On XX/XX/XXXX I received an email that said my dispute is now to be completed no later than XX/XX/XXXX (!! ). Unacceptable does not even begin to describe that new length of time.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I and my Fianc have been clients with XXXX XXXX with separate accounts we understand that XXXX XXXX has mistreated all clients and are suppose to pay accordingly we have had accounts with XXXX XXXX since XXXX XXXX XXXX affected my credit score multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower credit score.
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: Experian Information Solutions Inc. (FL)

XXXX, Experian and XXXX are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never XXXXFederal Law. Also15 U.S.C 6802 B - I was never given the option to opt out! Please remove all late payment transactions.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 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: EQUIFAX, INC. (UT)

I have mailed two separate certified letters one with proof address and the second letter is my social security number. Equifax sent me a letter requesting this information again. this a stall tactic. Equifax didn't investigate my request and didn't provide me with any proof of their finds but yet I'm met with a stall letter. Requesting proof of my address and identity again. Equifax is refusing to provide proof of bankruptcy on my credit report, it may be due to a lack of proper identification or documentation. 

Mailed date is XX/XX/XXXX Mailed date is XX/XX/XXXX XXXX
Consumer complaint received 2023-01-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-23
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. (MN)

Equifax Im sorry but you are going to have to permanently remove and delete XXXX XXXX account XXXX from my credit file! Due to FCRA violations. I asked you To review XXXX XXXX bank response date it XX/XX/XXXX in which they stated in their final response that they had notified all credit reporting agencies of the XXXX  XXXX bankruptcy that is completely false. And it was more than 30 days the item was not updated delete it therefore its a violation of the FCRA and it needs to come off the report today I also asked of you to review your response on XX/XX/XXXX in you stated the bankruptcy was not included this is more than 60 days since the item was disputed which is attached as well to the CFPB portal remove this from my credit file right now. XXXX XXXX also stated that they believe in fair and accurate credit reporting at 100 % which is XXXX  I demand you to remove this immediately included in bankruptcy was never entered and it must be removed today also review XXXX XXXX they show that Between XX/XX/XXXX and XX/XX/XXXX, the following remarks were added to this account : Consumer disputes after resolution Bankruptcy XXXX XXXX Bankruptcy discharged Remarks are meant to make your report more clear. 
If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
NO Way This is allow to report on my credit file remove this today! Information should have been on the report back in XX/XX/XXXX and we are in XXXX XXXX XXXX No Thank you
Consumer complaint received 2023-01-22
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 (NJ)

XXXX to XXXX XXXX, and XXXX was tooken out people kept charging my card I kept going to the bank checks was being used in my name when I first got the account I went there the handled it opened up a new account and then charges was being made that I was being responsible for and I never authorized any transactions and they couldn't fix it so I closed my account.
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX tx violated my hippa rights by selling my debt to another company collection agency called XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX i have received threatening phone calls from this number XXXX XXXX about ruining My credit Then on XXXX XX/XX/XXXX XXXX this medical started reporting to my credit report it dropped my credit scores XXXX points i went into an deep XXXX i reach out to them in tears all they kept saying was threatening things i was so scared I ask the to send me letters, XXXX letters was sent to me on my email short after they hung up on XXXX XXXX XXXX asking for my life back im requesting for this debt to be removed for my credit report because of my hippa privacy rights have been violated
Consumer complaint received 2023-01-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-23
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. (IL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$360.00}
Consumer complaint received 2023-01-23
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. (MS)

In Accordance with Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX and 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!
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: EQUIFAX, INC. (NJ)

To whom it May Concern, Ive had the opportunity to view my credit Report and there are Multiple Inquiries that I Dont Recall I havent Signed any Documents requesting these inquiries.I would like an Investigation into the following inquiries as listed.XXXX XXXX  on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide Signed Documents .
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: Experian Information Solutions 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 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 XXXXXXXX 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 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT .THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROCED CONSUMER RIGHS.

UNDER 15 USC 1681 SECTION 609 CONSUMER RIGHT I HAVE SUBMITTED THIS LETTER TO ALL THREE CREDIT BUREAU EXPERIAN FOR ACCOUNT XXXX AND XXXX XXXX USE THE NUMBER XXXX BUT SAME ACCOUNT WILL NOT TAKE OFF MY CREDIT REPORT. THE COMPANY DONE A INVESTIGATION.I SENT THIS LETTER TO BUREAU THEY WOULD NOT TAKE OFF. ON MY REPORT THEY STARTED PUTTING THE ACCOUNT WITH THIRD PARTY PEOPLE BUYING THE BILL FROM DIFFRENT ONES WITH DIFFRENT ACCOUNT NUMBERS BUT THE SAME BILL THE INFORMATION IS ALWAY INACCURATE WITH WRONG AMOUNT AND THE ACCOUNT NUMBER CHANGES 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 INFOMATION IS INACCURATE.
Consumer complaint received 2019-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Financial Services Group (SC)

I was contacted about a debt I owed for visitation after insurance paid. I called XXXX XXXX, asked if the amount was still in-house or in collections ( I moved and missed the bills ), and paid the amount. Now I am receiving letters and phone calls from DataTrac collection company.
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. (LA)

The XXXX XXXX Acct XXXX # XXXX has an incorrect amount on my credit report with XXXX and Experian. I have received a XXXX from XXXX and the amounts are different that's on my credit reports. The amounts on the credit reports are a lot higher than on the XXXX, making the amount owed higher than the actually are. The reports are suppose to be accurate and they are not. They were allegedly verified as accurate by both credit reporting bureaus.
Consumer complaint received 2020-04-25
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: AMERICAN EXPRESS COMPANY (VA)

XX/XX/2020 I have an American Express Blue card ending in XXXX. About a year ago, I noticed that Amex continued to charge me {$26.00} as a recurring charge for Amex Airflight and/or XXXX XXXX XXXX. When I noticed this charge, I called Amex who assured me the charge had been removed. My credit card is on auto-pay, but my husband happened to open the bill and notice the charge was still there for {$26.00}. 

I called Amex twice during the day to cancel the recurring charge and contest the past charges, which amounts to more than {$300.00} since I called last year. I was put on hold for a 1 hour and 20 minutes while being bounced around between Amex offices ; ultimately, the person at Amex hang up. I was then told then second time I called that the travel office was closed now. On the second call, the Amex sales rep ( who gave her name as " XXXX '', sales rep no. XXXX ) said she no authority to end the recurring charge and could not tell me when the Amex travel office would be open. 

Amex is engaging in consumer abuse, misconduct, and/or outright fraud by making it impossible to contest past charges from its corporate affiliate, Amex travel insurance. It's a shell game that most consumers will just give up on and end up paying Amex again and again for travel insurance. 

I ask that you investigate this conduct. Amex Travel Insurance should be able to be canceled and go through a contest process, just like any other charge. Refusing to do so breaches Amex 's obligations to consumers and federal and state consumer protection laws. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ID)

I received a email from PayPal requesting my account be verified by uploading a copy of my id and proof of my address. It also stated that I had changed my address to an address that was not mine. It had me upload a picture ID and then it disappears from the resolution center on the website PayPal.com I have not been able to close the account without resolving the issues listed in the email. I tried calling the support line however it was an automated system that I couldn't get in touch with a live representative and eventually disconnected me from the call. I also reported it to the email listed on their website, XXXX paypal.com
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AL)

The day I opened the credit card in either XXXX XXXX, XXXX XXXX XXXXXXXX XXXX I was XXXX and felt pressured. I wasnt told what the interest rate would be, only told to make the payment every month. I see a lot of unknown charges sometimes, and keeping up with the payments o XXXX to get charged a double interest rate. I have told Wells Fargo my story but they said their is nothing they can do since I was of legal age and signed the papers to obtain a credit card.