davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2023-07-03
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. (MI)

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 2023-07-18
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NJ)

I have a judgment against me for a private student loan with XXXX XXXX. There was a settlement that was entered on my behalf, but without my consent, they are trying to garnish my wages, and I have tried to resolve this numerous times.
Consumer complaint received 2023-07-03
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. (TX)

I have a credit card with XXXX XXXX XXXX XXXX XXXX ; the card was paid off and kept a XXXX balance. And set up for autopay. There was a charge without my knowledge that was paid off immediately after my learning. 

I received a notification of a late payment on my account, and I called the bank. They immediately corrected the payment status and gave me credit back for the late fee. 

Now, I could not take the 30 days late mark from my credit bureau, every time I call XXXX  XXXX XXXX they transfer me to the credit service desk once I explain everything to Credit Card Services, they transfer back to me Custome Services. I am in a loop.
Consumer complaint received 2023-07-18
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: Atlanticus Services Corporation (AR)

I have wrote to the Credit Bureaus several times. The last letter I wrote was XXXX XXXX. I also called about different names and addresses listed in my report. I have asked for documentation with my legal name. I have provided a copy of my drivers license, social security card, and lease agreement to verify my name. The mail theyre mailing doesnt belong to me. I have also written them to let them know the mail theyre sending doesnt belong to me.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$9900.00} ; XXXX XXXX
Consumer complaint received 2020-11-19
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)

The Crefit Bureau EXPERIAN are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows EXPERIAN Reports the following accounts that are not mine and proof supporting that was provided Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX IC XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX the following accounts # XXXX # XXXX # XXXX. 



I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureaus
Consumer complaint received 2023-07-17
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: JPMORGAN CHASE & CO. (GA)

CLAIM # XXXX XXXX Purchased jewelry while on vacation. 

XX/XX/ Reached out to merchant via e-mail requesting a pricing adjustment since the items were fake. No response received. 

XX/XX/ Filed a dispute with my credit card company. Had the items tested with a local jeweler and they were determined to be synthetic. 

XX/XX/ Received a letter from the credit card company stating that since the items were purchased in person and they didn't have a valid document to compare what we bought vs the jewelers determination. 

XXXX  Spoke with the credit card company via phone. We discussed the fact that there would have been no way for me to determine that the items were fake just by looking at them in the store. I also pointed out that I did in fact provide the documentation showing what the merchant claims they sold me vs the jeweler 's statement that the items are synthetic. I was told that there is nothing else they can do because of time limitations. I filed the claim XX/XX/ and didn't get a reply until XXXX so I feel the credit card company worked time-line in the merchant 's favor.
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

XXXX XXXX Paypal locked my account with a balance if {$6700.00} on my wallet. They didnt clearly tell me any violation i violated and held my funds. I noticed on XXXX XXXX paypal transferred my funds to themselves and my balance went on zero. Once i noticed i called them XX/XX/2021 asking for reasoning and didnt give me a clear answer nor allowed me to speak with anyone who could explain why they locked and whiped my account balance clean. They just saying that i wont recieve my funds but that doesnt make any sense. My account is approaching the 180 day mark they say it will be in and funds will be released but the funds are no longer there and i need my money back asap! i opened another account in XXXX they also lovked that account a month later. Total alount in both accounts {$10000.00}.
Consumer complaint received 2023-07-03
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. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$9900.00} ; XXXX XXXX
Consumer complaint received 2023-01-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (CA)

This is the letter I have sent out after multiple visits and verbal talks in person about the situation. 

Hello, My name is XXXX XXXX To whom this may concern My credit/consumer report has been approved from your company for a auto loan for NOWCOM/XXXX XXXX auto center. I have been to XXXX XXXX auto center multiple times my down payment is {$500.00} towards westlake auto loan on the contract that is given to dealer XXXX XXXX auto center but I have been rejected multiple times from XXXX XXXX salesman to put more money down. I stated what money I have down and I also stated previously that there is no law saying I am required to pay a down payment also I stated. 

XXXX XXXX XXXX - No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that specified down payment, by the creditor who advertises his services.

15 USC 1605 ( A ) determinations finance charge defined- except as otherwise provided in this section, The amount of finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.

12 CFR part 1002 - equal credit opportunity act regulation B protects application from discrimination in any aspect of a credit transaction. Includes consumer credit, open-end credit, credit applications, standards of creditworthiness, denial credit, revocation, alteration, or termination of credit.

12 CFR 1002.7 Rules concerning extension of credit : A individual accounts a creditor shall not refuse to grant an individual account to a creditworthy applicant on basis of sex, material status, or any other prohibited basis.

Consumer credit protection act, there are numbers of provisions that were enacted under the CCPA including the truth in lending act, Federal wage, Garnishment law, Fair credit reporting act, Equal credit opportunity act and fair debt collection practices act ECOA - The Equal Credit Opportunity Act : Is a federal civil law that forbids lenders to discriminate against loan applicants for any reason other than their ability to repay.

After this was stated weeks later I received additional information from XXXX on my approval that I was able to put down {$500.00} down but the next day talk to XXXX rejected me to put down more. I need accurate information about my credit and my approval on the contract my personal information is confidential and my time is very valuable my job and other responsibilities depend on transportation. Thank you and hope to here from you soon Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I requested and received a balance transfer on my Capital One Visa card in XXXX, 2022. It was for 1 year 0 % interest. Unlike other credit card companies, such as XXXX, XXXX, etc, This company does not show the date of the end of the promotion period on their statements, I feel this is an attempt to have you forget that on a certain date, you will be paying interest. This happened to me this month, and I now owe an additional {$300.00} in interest. I called and spoke with a manager but was told I was out of luck. I am now paying the card off, but I would have paid it off last month had it shown or reminded me on the statement that my promotion period was up. I feel this is intentionally done in hopes you will not realize that your interest free period is up. Unless you remember when it is, you will get hit with the interest because there is never anything in writing regarding the end date except for when you sign up, long ago. They should be required to show the expiration date of the promotion on their statements!
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I previously submittted COMPLAINT XXXX. It was particially resolved and I see that it has been cancelled when there is still {$7800.00} still remaining from three unathorized ACH transactions from Wells Fargo to pay credit cards of an unknown party named XXXX XXXX XXXX XXXX XXXX. Wells Fargo had previously closed this case # XXXX how CFPB was able to get a partial refund of {$9000.00}. Thank you for your making this happen. The Enterprise Complaints Management Office of Wells Fargo contacted me via letter regarding CFPB 's inquiry to my first complaint. They gave a name of a person to call and a phone number. I left two messages to talk with the bank to get the remaining stolen funds reimbursted but I have not gotten a call back. I have had several non responsces for Wells and would like your help to make sure they are not ignoring this matter. Thank You
Consumer complaint received 2023-07-03
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. (GA)

I am sending my complaint today in order you to inform about the wrongdoing of the 3 credit bureaus. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score. Be sure to present facts that this are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. These fraudulent items I am mentioning should be remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-17
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: SYNCHRONY FINANCIAL (RI)

See CFPB Complaint XX/XX/23. 
The attached files all show how I was able to deduce the main gist of this complaint. That credit reporting agencies ( CRAs ), and sometimes Credit furnishers ( CFs ), and some collections agencies grossly abuse their status and position in their perspective industries by manipulating individuals credit reports with either outdated, incorrect, or sometimes manufactured information.
Consumer complaint received 2023-07-03
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. (SC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-03
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)

This is my SECOND 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 XXXX  XXXX Balance : {$1100.00} ; US DEPT ED XXXX Balance : {$3500.00} ; USDOEXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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: CITIBANK, N.A. (NY)

I was shopping online for cotton clothing. After my purchase, new items displayed ( cotton ) and I thought I was still on same site but in actuality, I discovered, after I made 2 additional purchases, that I was on a different site, namely XXXX. When I got the the first delivery I realized XXXX were scammers and contacted them to cancel the 2nd order and return the first. They wouldn't let me. They said the 2nd order is on its way, and I will only get refund if I ship to XXXX. I contacted Citi Bank to displute both chareges : 1. XX/XX/23, {$74.00}, XXXX XXXX WA, dispute # XXXX 2. XX/XX/23, {$89.00}, XXXX XXXX WA, dispute # XXXX Citi contacted the merchant and decided in their favor. 
I wrote Citi again explaining the merchant used canny methods to get me to buy ( pretending to be another company online ) and then wouldn't let me return the goods for a refund in a reasonable manner ( without paying shipping cost from US to XXXX ). 
I looked up the merchant on the XXXX and it has many reports of scamming, it has a rating of F, but still Citi sided with the merchant only because the merchant is wise enough to have all the required information to show the bank they are legit. 
I have been a Citi card holder for the longest time and I expect they will protect me in the case of such a scamming merchant.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2023-07-03
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. (NJ)

This is my 7th 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 an alleged fraud or extortion. 
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