davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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 filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to Experian, XXXX, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.
Consumer complaint received 2023-05-17
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 (TX)

Dear PayPal XXXX, I am writing to appeal the suspension of my newly created PayPal account, registered under the email XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated, as I have not had the opportunity to conduct any transactions or use any of the features of your service. I am unsure of the reason for the suspension and would greatly appreciate an explanation. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

On XXXX my husband and I were at the SteinMart in XXXX, TN. and the cashier asked if we would like to open a credit card to get discount -- I said yes, the cashier said it did not go through and a supv tried something else to no avail, so we paid with our Debit Card. Fast forward to XXXX XXXX and we get a collection letter about the charge off on XXXX XXXX, XXXX ... prin {$220.00}, int $ $ XXXX {$390.00}. We disputed it and they researched then yesterday, XXXX XXXX, XXXX, sent " our stmts as proof '' ... problem is the address was wrong ( bad : ONLY XXXX XXXX ) ... we never rec 'd a credit card, any stmts, or any collection calls ( that left a VM ). We just spent 1.5 hrs being transferred from dept to dept in both SteinMart and Synchrony bank -- ALL had bad attitudes and were just trying to collect a " bad debt '', or even said we had to deal with XXXX XXXX since it was charged off. XXXX do n't want to hear it either ... .so frustrating!!!!! We have our bank stmt that shows the transactions were paid by our debit card -- not charged which I have attached. I do n't know if fraud or huge mistake, but I do no we did not charge anything and did not know we even had a credit line until saw it on a stmt that XXXX sent. I hope you can help resolve this and get ANY negative ratings removed from the credit report, which must be horrendously bad ( lates and charge-off ) ..Thank You for any assist.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Equifax is reporting negative information that isn't accurate nor did I consent to have my private information given to XXXX party entities. Enclosed with this complaint will will XXXX dispute letter of the companies that's reporting info without my consent.
Consumer complaint received 2023-05-16
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These XXXX illegal collections are fraudulent and they need to be removed off my report. These XXXX accounts are illegal and I've finally hired a credit XXXX to remove these fraudulent items. Please remove these items off my credit report! 

XXXX XXXX {$140.00} Date Opened XX/XX/XXXX First XXXX XXXX {$13.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit XXXX. Please remove all these illegal/fraudulent inquiries off my credit report. 

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 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo advertised a promotion online to receive a {$320.00} bonus during the months of XXXX and XXXX. 
The promotion was advertised to follow a link online and all prompts during opening add {$25.00} and receive qualifying direct deposits and there were no other necessary steps as it was automatically applied by going through specific link. 
After my 90 day period I did not receive my bonus I called to see the status of this bonus and I was informed there was not one available to me and there is no promotion that could be found during that time. I was misled with false advertising and assurance. 
There were no other qualifications disclosed on the website.
Consumer complaint received 2023-05-16
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. (TX)

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,, 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 2023-05-16
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. (TX)

Initially reached out to the bureus to do futher investigation for my accounts that has late remarks and they did not respond nor provide any proof that I pair late. 

I asked them to send me proof XXXX  they just ignored me.
Consumer complaint received 2023-05-16
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)

The account in question is XXXX XXXX XXXX Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a chase bank account '' when the chase bank account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

There has been a collection added to my report on all XXXX bureaus, that does not belong to me for {$890.00}. The collection company is XXXX XXXX collecting for XXXX XXXX XXXX. I have been doing searches on the company name, XXXX XXXX XXXX, and I keep seeing SCAM, FRAUD - lawsuits by states - cease and desist orders from states. I have filed disputes with XXXX of the bureaus and I will call the XXXX. I have worked so hard on my credit and I 'm just sick that I have to spend all of this time chasing down a fraudulent report. I 'm reporting this in hopes of clearing it up and to provide information, as I suspect I 'm not the only one this has happened to. Please Help.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

just applied for first time home loan with my credit union and it pulled up accounts that were closed! I just checked XXXX, XXXX, XXXX and these two accounts are not on my credit reports. The companies are Kohls and XXXX XXXX XXXX. I can not give dates due to them not being on my 3 credit reports or amounts. I need them removed immediately. I don't understand why they showed up on my bank.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (MD)

just applied for first time home loan with my credit union and it pulled up accounts that were closed! I just checked XXXX, XXXX, XXXX and these two accounts are not on my credit reports. The companies are XXXX and Nordstrom credit cards. I can not give dates due to them not being on my 3 credit reports or amounts. I need them removed immediately. I don't understand why they showed up on my bank.
Consumer complaint received 2024-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (DC)

I file a purchase protection claim with Citicard. The claim was denied for wrong reason : " package was under care of third party '' ( wrong ) " package was in an in-secure location '' ( wrong ) I tried to file an appeal and was told I can't The basis for my claim is that the advertised benefit of purchase protection is misleading and the reasons for denial are arbitrary and do not take into account the facts
Consumer complaint received 2023-05-16
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. (CA)

I did not authorize or benefit from any of the listed inquires. I also noticed 4 fraudulent accounts reporting to my consumer report. These accounts are reporting fraudulently to my consumer report because I the consumer gave no written instruction to any company to report anything onto my consumer report. This is a direct violation under title 15 U.S.Code 1681b ( a ) ( 2 ) and need to be blocked and deleted immediately.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Have on credit report that i owe them money-which i do not, nor have ever done business with them or any affiliates 2 charges from XXXX and a charge off by Bloomingdales all inaccurate and don't owe them any money-needs to be removed from all credit reporting agency 's
Consumer complaint received 2023-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had an issue with " XXXX XXXX '' XXXX XXXX ( XXXX XXXX ) and XXXX  charging a membership fee early in XXXX. I called and XXXX  refunded the membership which I canceled XX/XX/XXXX. I beleived there was no further issue. I usually only make purchases from XXXX  on my XXXX and had not been to XXXX since the summer of XXXX. I found out in XXXX there were fraudulent charges on my XXXX ( {$750.00} charged XX/XX/XXXX ' ). I reported to the credit card company XX/XX/XXXX. They said they would get back with me once resolved. XX/XX/XXXX I heard nothing, but my fico score was dropped from the 800s to upper 600s. I called and phone number now went to citibank XXXX. I talked to XXXX, then was transfered to XXXX, she was very nice and the first person guinuinly trying to resolve the issue. She put me on hold several time while she conversed with the " gurus '' ( XXXX, XXXX XXXX and others. Eventually after a couple hrs XXXX make a XXXX way call with XXXX  bank because there was essentially no information about the charges, just the amount and fees. Once on the XXXX way call with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) transfered us to the fraud department which I originally reported the case to in XXXX XXXX assured us it would be looked into and resolved which it has not. It has been 4 months since the fraudulent charges were made and just shy of 3 months since I reported the fraud to XXXX XXXX  fraud department. My nearly perfect credit has been destroyed l, all my multiple attempts to have this corrected have been ignored. Spending over 15hrs over multiple months on the phone making calls, reports, filing with XXXX  they always promis to correct the situation, but I just keep getting a email cluttered every day with threats from XXXX for a purchase they know is fraudulent. I have more than tried waiting as calmly as I can while XXXX ( XXXX XXXX and Citi Bank ) continues destruction of my credit which is 100 % the banks fault. When reading from XXXX  web page XXXX XXXX  has apparently made a business out of destroying people credit which is probably why they changed their name to XXXX XXXX. A company with unethical practices as this should not simply be able to change their name and continue unethical practices, someone should be held accountable because the damage caused is much more than just a few hundred bucks of fraud.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach and the black market, I need these to be removed.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (PA)

I have a checking account with Santander Bank and I get monthly social security deposits into my checking account. I am supposed to get them the XXXX Wednesday of every month. I have noticed that the payments have been coming later and later into my account and it appears they should be coming on or about XXXXXXXX XXXX. Some of my friends who use other Banks even get the funds deposited several days earlier. I was very upset because when I went to check my account at XXXXXXXX XXXX  this morning, the funds were not in there and I even called the automated system and they still weren't listed as being in my account. This is unacceptable as it is now XXXXXXXX XXXX and the funds have just gone into my account. Why is it taking so long for them to deposit my social security monies into my checking account? This is unacceptable and I do not think it is legitimate for the bank to be so late in putting my SS deposits in my checking account.
Consumer complaint received 2023-05-16
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. (DC)

I am writing in regards to discrepancies I have found on my credit report. I am requesting are-investigation be conducted for the following accounts : Account Name : XXXX Account Number : XXXX Inaccuracy : reporting a balance while reporting as charged-off every month, different balance updated dates, reporting different balances Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX : reporting a balance while reporting as charged-off every month, different balance updated dates Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX Inaccuracy : reporting a balance while reporting as charged-off every month, different balance updated dates, no note that the debt has been disputed By law, all charge-offs are obligated to report with a XXXX balance, if the balance does not say XXXX than that constitutes as inaccurate reporting. These accounts are also reporting a charge off balance each month creating the false representation that the accounts have active payment history which re-ages the debt, forcing it to stay on my report longer, which is illegal. As you are aware, the IRS identifies a charge off as gross or ordinary income as the company has cancelled the debt and written it off as a loss. By law, these companies were supposed to send me a XXXX099c in the mail to file during tax season and failed to do so, not only are they committing tax fraud, they are violating numerous Federal laws of which you are complicit to. Income does not get reported on a consumer report. These accounts have not been properly verified and are being reported inaccurately. Please delete these accounts for inaccurate reporting. I believe this may be an error because these accounts do not belong to me. Please verify and permanently delete these accounts immediately for failing to comply with the FCRA.
Consumer complaint received 2023-05-16
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 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 IN : 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.