davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

I was in-forced to leave my house with five days notice on a paid month the end of the year of XX/XX/XXXX XXXX The reason was told because I had too many complains on " why they do not have a Camera system to monitor the parking space at the complex. '' I have two police report incident and insurance reports of my employment van " hit and run '' and another report of breaking my van windows. The office manager was not helpful to the police either me when I reported the claim incident. Perhaps, She made my situation worse by kicking me out with 5 days notice, I have paid XXXX and all my rents on time, plus I gave them the key and left the place within the five days. Then I asked for my deposit they said to call them back within two weeks, called few times for almost four months intel i give up on my deposit, they toke it. The manager toke advantage my XXXX is not good back then and i dont know my rights as a rental, especially during COVID. Now, I found on my credit report they billed me for a lot money. I believe its a false debit collection they need to remove because they terminate my lease for unfair reason. I left the place with paid month, clean place, and gave the keys. Please dispute and remove.
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank sent me a letter on XX/XX/year> that an application for a credit account with LOWE 'S dated XX/XX/year> was denied. I never applied for this credit account. Synchrony Bank sent this letter to an old address. The letter was forwarded to my current address.
Consumer complaint received 2024-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (NY)

Frost-Arnett is contacting me about assumed debt that I already paid to XXXX. I've asked for the dates and the reason behind the debt, they didn't provide this. I've cross-referenced any missed payments with XXXX XXXX, and no dates or missed payments match.
Consumer complaint received 2024-01-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NY)

I received a notice from XXXX that an account was opened with Comenity Capital Bank/ Zales on XX/XX/XXXX  and charges made on XX/XX/XXXX  in the amount of XXXX. I never applied or have an account with this bank. I tried contacting the bank but was not able to speak with anyone to report the fraud.
Consumer complaint received 2018-11-27
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: CITIBANK, N.A. (CA)

I have never giving my legal consent to have CBNA Bank Credit cards to run my credit and cause an inquiry Dated XX/XX/2018 their for causing a negative impact to my credit score.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

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 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (PA)

XX/XX/2023 I submitted to XXXX that Jefferson Capital System - At address XXXX XXXX XXXX XXXX XXXX MN XXXX that this account I have no knowledge nor applied for any credit nor do I owe {$170.00}. I submitted a request to please investigate and remove this unknown balance off my credit report. I did not apply for this. I am a XXXX and XXXX XXXX XXXX XXXX that barely lives off a fixed government XXXX XXXX monthly income. Please do your diligent deep investigation and remove this off all 3 credit bureaus. I had to submit a freeze on all 3 credit bureaus due to this issue. Please rectify.
Consumer complaint received 2023-05-12
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)

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 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 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My bill was due on XX/XX/XXXX and the bill was paid on that date and they charged a late fee because it wasnt a paid by XXXX. Right now with this pandemic I dont know if I am going or coming how do they get to charge a {$25.00} late fee for not even being a day late.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (CA)

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : APPLE CARD/GS BANK USA XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or APPLE CARD/GS BANK USA customer service representative . 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XX/XX/2023 i applied for an Amax card. the reference number is : XXXX I tried to call American Express XXXX and the rep was very rude and would not give me a supervisor. With that being said my issue at hand is to the decision and reasoning for my denial to access my securities. I understand that there is a 3ed party who gave your company a XXXX score and this is the reason for denying me. 

Regardless of the reason i was denied i understand and im not concerned with that. I have the right to credit and that right was declined. I am trying to access my securities and my right to credit has been denied. As i sit here and i read the equal credit opportunity act i realize that its discrimination to deny me access to my credit or securities ( 12 cfr 1002.4 ). Withholding me access to my securities is Securities Fraud.

American Express American Express is violating the Equal Credit Opportunity Act and Consumer Protection Credit Act. Since you are denying me my credit, please retract my application or do a review of my application accordingly. 

Thank You By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

I am disputing these debts because these were corporate accounts/corporate leases/corporate debt that I never agreed to be personally liable for. These corporate leases and corporate debts were in the name of a corporation called XXXX XXXX, XXXX. I was a XXXX XXXX of XXXX XXXX XXXX so I signed the leases on their behalf but I never agreed to be personally responsible nor personally liable for the accounts and debt of XXXX XXXX, XXXX. These are corporate debts only. Enclosed are copies of the lease agreement for these accounts between XXXX XXXX and XXXX. XXXX XXXX is a XXXX party collection agency, who wrongfully placed this debt on my personal credit. 

XXXX XXXX gave me these leases and account statements for XXXX XXXX, XXXX. These documents that XXXX XXXX provided clearly show these debts are corporate debts for XXXX XXXX XXXX, NOT personal ones for XXXX XXXX.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NY)

I find it utterly perplexing and frustrating that this how Remitly, chooses to respond to a serious complaint - by choosing to side with the scammers and thieves that pose a significant threat to every single one of your users. It's truly a disgrace! 

How can you, in good conscience, provide such a bland and insincere response to a person who has been conned, and then sheepishly hide behind the vagueness of an 'internal information ' wall? Are you insinuating that providing me with all the information necessary to seek justice for the wrong done to me is breaching some sort of privacy code? Let 's get things straight - a scammer does not and should not hold the privilege of privacy when they blatantly infringe on the rights of innocent, hard-working individuals, thereby insinuating that I am at fault, instead of appropriately dealing with the real culprits at hand. Where is your urgency to track down these online predators and bring them to justice? It appears almost as if your company is more interested in washing its hands off the matter rather than actually dealing with the issue at hand. 

Your suggestion that I should contact my financial provider to avoid 'additional scams ' is not only patronising but insufferably dismissive to the gravity of the situation. You mention it casually as you might suggest one to take an umbrella because there's a light drizzle outside. You seem to completely sideline the fact that I have been robbed! 

Transparency and relentless pursuit for justice should be your mandate as an organisation in this crisis, but here you are, negligently putting up barriers. It's clearly evident whose side you're on, and I'm sorry to inform you - it's not the innocent victims '. 

I was expecting more than just a cold, 'final ' response from a reputable institution like yours. Nevertheless, I thank you for showing me the real value you provide to your customers, and where your true loyalties lie- with the scammers and thieves. 

I only requested data of my own account. And under their privacy and protection agreement which states this : Access Your Data & Data Portability You may request that we provide you a copy of your personal data held by us. This information will be provided without undue delay subject to certain exceptions or limitations, including if such provision adversely affects the rights and freedoms of others.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CT)

I made a {$3000.00} down payment on a car at XXXX XXXX XXXX CT from my Wells Fargo Checking Account on XX/XX/2023. The payment didn't seem to go through and XXXX XXXX said they never received the {$3000.00} from Wells Fargo. I never received the {$3000.00} back into my Checking Account after this unsuccessful transaction. My son paid for the down payment in the amount of {$3500.00}. I opened a claim with Wells Fargo to resolve my missing {$3000.00}, but they are denying my claim.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

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.

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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PACE Funding Group, LLC (CA)

XXXX XXXX XXXX says their is no prepayment penalty fee, but to make any additional payments ( above and beyond those normally scheduled ), they charge a {$50.00} fee to generate the payment document. 
They side-step the issue by saying that it's a sub-contractor ( identified only as XXXX ) charging the fee. Neither disclosure of this fee nor use of this contractor who charges the fee is anywhere in the application, disclosure, or truth in lending documents I was given.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NJ)

Subject : Request for Removal of Inaccurate Information from CLUE Report Dear LexisNexis Risk Solutions, I am writing to formally request the removal of inaccurate information from my Comprehensive Loss Underwriting Exchange ( CLUE ) report. The specific inaccuracies in question are as follows dated below. 

- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX This request aligns with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies uphold the accuracy of the information they provide. Per FCRA Section 611, I kindly ask that LexisNexis thoroughly investigate the disputed entries and promptly eliminate any inaccuracies from my CLUE report. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX rights have been violated under the Fair Credit Reporting Act. According to 15 U.S.C. 1681 Section 602 A, I have the right to privacy. Moreover, as stated in 15 U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is prohibited from furnishing information without my written instructions. The information regarded above pertaining clue report is not mine, and I request its prompt deletion.
Consumer complaint received 2024-05-24
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 (WA)

Wells Fargo denied my claim of {$4900.00} of 2 unauthorized transactions of {$2500.00} and {$2400.00} dollars about my XXXX account was hacked. I responded the day the transactions were made on my account to Wells Fargo. Gave them support evidence from XXXX and showed that they were not me. I spent countless hours on the phone with both companies after my account was hacked.
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One was served to freeze my bank accounts by a collections law firm. They did this promptly. My attorneys reached an agreement with the creditor and faxed/emailed the dissolution of garnishment to Capital One on XX/XX/XXXX. After XXXX more attempts to resend this information and several phone calls, speaking to multiple managers, my account remains frozen and I am amassing late charges with all my creditors because my funds are still frozen. One of these phone calls was from XXXX XXXX asking them to unfreeze the accounts and yet Capital One still has not complied. The firm that initiated the garnishment was on the phone with me and Capital One and requested that the accounts be released. It is now XX/XX/XXXX and my accounts are still frozen waiting for some completely unnecessary review from Capital Ones XXXX Department.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (KY)

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ].

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX  consumer report on XXXX  without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v.

Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXX to VERVENT/XXXX
Consumer complaint received 2024-01-03
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc. (OK)

When discussing enrolling in Beyond Finance I asked what their fees and services cost. I was told of monthly fees for services. 

Beyond Finance failed to explain or disclose they charge a 25 % settlement fee for settled debit accounts. The 25 % was of the pre-settled account balances. XXXXthe 25 % fee was not pointed out while the Beyond Financial Representative walked me through the Signing of the Beyond Finance service agreement contract. 

Beyond Finance failed to disclose all fees and expenses associated with their service up front. Beyond Finance was not fully transparent upfront and failed to fully and clearly disclose the cost of doing business with Beyond Finance before or during the signing of a contract.