davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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)

This is my XXXX 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 Balance : {$4900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

{$230.00} on XX/XX/XXXX I disputed an XXXX XXXX XXXXXXXX XXXX account ending in XXXX on my Experian credit report this account was open in XX/XX/XXXX now after the dispute Experian falsely reaged this XXXX XXXX XXXXXXXX XXXX account to XXXX of XXXX I never even had this account open in XXXX of XXXX it wasn't open until XX/XX/XXXX. Experian keeps telling me I am wrong with this information this information was taken directly from my credit report I've been pointing out the errors so how could I be wrong when it's what experience is showing me
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

Mailed payments in the form of remittance coupons were sent " certified mail '' to BARCLAYS, with U.C.C codes 1-308 ; 3-602 ; 3-603 ; 3-604 and are not reflecting in the statement of account. payment amounts of XXXX XXXX XXXX XXXX XXXX XXXX correspond with statement balances for XXXXXXXX XXXX XXXX, XXXX, & BARCLAYS are failing to adhere to the Uniform Commercial Code, regarding tender of payments to party authorized to enforce instruments, that are rejected, create discharge to the extent of the amount tendered. XXXX XXXX XXXX instead of adhering to the U.C.C. have chose to report fraudulent information regarding debt and unauthorized credit file inquiries that are harming my Social Security Cestui que Trust.
Consumer complaint received 2023-04-26
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)

This is my XXXX 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 Balance : {$4900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : APP XXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022
Consumer complaint received 2018-02-01
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. (NV)

Equifax is reporting 2 accounts with XXXX XXXX  XXXX that are past the statue of limitations the as per the bureau the XXXX and the other is XXXX and both are over 7 years old and should not be reporting the other is XXXX XXXX XXXX XXXX it actually had a charge off date over 8 years ago and again should not be reporting.
Consumer complaint received 2024-07-14
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: WELLS FARGO & COMPANY (MD)

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. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (PA)

I sent a certified mail, asking for investigation into XXXX XXXX Account XXXX XXXXXXXX. The bureau 's did not respond. According to federal law requires the bureau 's to respond in 30 days its been over 90 days no response
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

All of my account balances have been paid off since XX/XX/XXXX & XX/XX/XXXX. XXXX has still to respond to my initial compliant. This is the only way i can get my loans amounts updated.
Consumer complaint received 2024-04-23
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I attempted to send {$110.00} via XXXX  from my wells Fargo account to a local service provider. The person misspoke and have me the wrong phone number. They realized the mistake within seconds, and I was on hold for the bank less than XXXX minutes after the transfer was started. The bank told me it would take 10 days to resolve the problem, but XXXX weeks later they told me they could not do anything. I complained to the XXXX, and received a call from the bank. The person who called said they could fix it, but would need another week. A week later, she called back to say they couldn't fix it. I asked her to file a police report and press charges since the person who received the money had accepted it, and this committed fraud and wire transfer fraud. I also pointed out that the person refused to answer my calls because they know I'm trying to get my money back. The agent told me the bank would not assist me.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (CA)

In the late fall of XXXX, I noticed that my credit rating had dropped. When I reviewed it, the report had two addresses unknown to me and an Indigo credit card from XXXXXXXX XXXX. Both the card and Bank I did not recognize. I reported the card and the two unknown addresses to XXXX and XXXX who removed them from my record. ( The XXXX County Sheriff traced the addresses to two mailboxes in XXXX California ), I really have been paralyzed by all this, not knowing what to do and especially haven't trusted websites or credit card companies I hadn't heard of. 

I tried to talk with the credit card company and they insisted the charges were from me. I explained that I had never heard of them before. I was fearful since their website looked really sketchy and I did not want to reveal any personal information to them over the phone. My conversations with them resolved nothing. 

I had moved to another city for work in XX/XX/XXXX and have tried to dispute these charges, but for some reason XXXX was insisting that they were still mine. I got correspondence from a the Law firm of XXXX and XXXX saying that they represented XXXX XXXX XXXX who had bought the debt of {$1600.00} and that I should pay them immediately. They have statements indicating the charges and two unpaid statements that have my name on them with the unknown addresses. They sent me a form requiring me to enter my personal information and I did not want to fill it out. XX/XX/XXXX, they sent me a letter asking me to pay 70 % of the debt they claimed I owed as a settlement. 

Out of principal, I do not want to pay for something that was taken fraudulently in my name. XXXX and XXXX have now ( XX/XX/XXXX ) served me a notice that they are suing me in Small Claims Court. How do I defend myself? I don't have the resources to hire an attorney that would exceed the cost of the amount they claim I owe.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Considering the fact that my account was noted restricted/closed XX/XX/XXXX in which I have proof, the bank is now stating my account was closed/restricted on XX/XX/XXXX? and theyre asking me to show proof that I didnt deposit a check twice? This is a check direct deposited from my job were talking about by the way so how would I have control over that? ALSO, theyre holding a check that had nothing to do with the check theyre saying was in question? Its been over XXXX years pretty much, nothing has came back to anyone supporting theyre assumption on that check being cashed more then XXXX time.
Consumer complaint received 2024-05-06
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. (PA)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo Bank NA sent me a application for arbitration I filled it out and set it in. 
They have failed to contact me and I need them to do that. The CPI charges and repossision of my Truck was In violation of the Cobb law in my state MN. They have been most unfair in settling with me and I am about ready to head to legal aid and have them deal with this.

One last chance
Consumer complaint received 2023-04-26
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. (FL)

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 

The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} ). Please correct this inaccurate information on my credit report.
Consumer complaint received 2023-12-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I co-signed for an apartment for my my mother ( XXXX XXXX XXXX ) in XXXX and in XXXX was moved into assisted living. Prior to moving out we contacted the management company to advise them that her medical condition would not allow her to live alone any longer. The manager and our family settled on a move out date. She moved out and we had no issues, notices, or contact from the management company until almost 2 years later, now saying she owes a month 's rent. The rent was paid per our move out agreement and there was no money owed. Contact person was : XXXX XXXX | XXXX XXXX XXXX  XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : ( XXXX ) XXXX | XXXX Mother : XXXX XXXX XXXX Myself ; Cosigner : XXXX XXXX ( now XXXX XXXX )
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

I contacted Synchrony Bank on XXXX XXXX XXXX due to the " Important Changes to Your Account Terms '' notice. It stated that as of XX/XX/year> there w/b changes to the Promotional Fee and the Returned Pymt Fee could increase to {$41.00}. I noticed in reading further that additional changes related to receiving a paper statement would be charged in the amount of {$1.00}. I had never heard of such a charge and thought that it was unconscionable... forcing customers to receive email statements who might not have email, the elderly and those without computer access. Customers who signed an agreement prior to this change should be grandfathered in, receiving the paper statements without charge. Doesn't seem reasonable for a charge to be announced midstream. I have tried to receive statements via email from other providers and went back to paper because of the ease of loss within a mountain of emails.
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (TX)

Date : XXXX XXXX 2023 Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX 1 . Improper use of my ( Social Security XXXX XXXX ) 2. Pursuant to Fair Credit Reporting Act XXXXTitle 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

My PayPal account is used for my business in which I sell XXXX. Almost all of my orders were ran through PayPal or XXXX ( In which I have over XXXX confirmed sales ). I sell under a XXXX XXXX called XXXX where I have various vouches that I am a legit seller. 

My PayPal account was randomly put on hold and my balance of over {$1400.00} was put on hold. As a small business owner this hurts my operations a lot. 

TO add on to this before completely locking the account PayPal requested proof of shipment for each order which I graciously provided without an issue. Every order was shipped and delivered in a timely and safe manner. Despite this my account was locked, my funds are no longer accesible all for a reason I have yet to find out.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 2nd 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 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 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 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 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: USCB Corporation (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-09-26
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their 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 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
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (FL)

I previously submitted a request to have my interest rate lowered and apple card services created a case which took XXXX  days to decide. They refused to lower my interest rate and provided no information. 
I submitted a request today to have my interest rate lowered again and apple card services created another case which they stated will take XXXX  days to decide. This is unfair and predatory business for them to keep charging high interest charges. 
I'm a retired veteran who's 100 % XXXX and living off my pension.
Consumer complaint received 2023-09-26
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. (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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name 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 XXXX 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.