davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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 (CA)

Ive been with Wells Fargo for 14 years and have had fees from my account taken from there. There is a lawsuit where I should get compensation and I havent received anything from them yet
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I CONTINUE TO HAVE DIFFICULTIES WITH THEIR AUTOMATED PAYMENT PROCESS AND EXECESSIVELY LONG WAIT TIMES TO SPEAK TO SOMEONE. To boot when they try to contact me they either call as an UNKNOWN which I never answer but they will say they have made attempts to call and were not answered. They evidently also use deceptive practices sending voice mail stating they are another Bank received a voice mail XX/XX/XXXX XXXX XXXX XXXX stating they were XXXX XXXX-I checked it online it come up as scam- when I call I get an automated pay process. I do not know why the call? I believe all accounts are paid up to date.
Consumer complaint received 2023-07-07
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. (NC)

Recently, I did an investigation on my credit report which caused severe disappointment upon me finding unverifiable, invalidated, inaccurate, and questionable items that the credit bureau agencies did not make sure was 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) these accounts are in violation of not reporting 100 % accurate information.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX OF XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AZ)

I have requested a copy of the electronic consent which is required by the Department of Education to accompany the promissory note at all times in order to validate the documents. The reason that I have requested this is because the loan documents that Nelnet has are forged documents created on XX/XX/year> along with the electronic signature. The terms of the loan were changed from XXXX percent to XXXX percent interest and the XXXX  year payment plan changed. A company that deals with loan documents all the time knows that these are forged and thereby is committing a felony by using a fraudulently obtained instrument. Furthermore by trying to collect using these documents is liable for a XXXX dollars from each contact for illegal collection. 
The reason I know the documents are forged is because this was a paper transaction with a wet signature in the first place. 
I also work for the federal government so this can cause me problems with my security clearance. So we are prepared to go to court much sooner than later. 
I await your reply to determine if litigation will be undertaken immediately if I am not happy with your reply. 
This was also previously disputed successfully with PHEAA who admitted that the documents were incorrect and that an investigation would take place. Obviously they just gave you the forged documents and did nothing. There reply is still available on this forum
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX has reported inaccurate payment history that has resulted in my credit score dropping XXXX points unfairly. I am a single mom of XXXX with no support from the other parent and this is causing me to have difficulty with preapproval for a mortgage
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Last Friday XX/XX/year> I received a check from a new customer of XXXX. And the check was put on hold. Next day ( Saturday XX/XX/year> ) the check was clear on my portal, but I called to chase to confirm that check was firm and can not cancel or return in the future the person on the phone ( chase ) confirmed that check was good and not possible to return. 
Wednesday ( XX/XX/year> ) in the morning check was returned from my account. I went to the bank for an explanation and they just told me this happens you should wait more days. I already explained that I called to chase to confirm before to deliver the product to the customer, because was a new customer, But they told me they can not help here. So, Im a victim Of a fraud because chase gave me the wrong information.
Consumer complaint received 2023-04-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

According to USC 1681s-2 ( a ) 1 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer that specific information is inaccurate and ( ii ) the information is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-04-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

purchased a phone unlocking service on ebay paid using my paypal balance seller did not render service. 

asked on mail to pay more money without getting ebay involved i refused to pay and ask for refund refused refund too. complained to paypal refused to resolve issue ..lost money no help from paypal or ebay
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX the IRS deposited my XXXX tax return into my Bank of America account that was supposed to be closed since XX/XX/XXXX. When I contacted them in reference to my deposit they informed me it would be XXXX days before I receive a cashier check. However I was confused as to why the deposit was accepted when my account was supposedly closed. I spent days talking to different departments about what the issue could be. First it was fees owed, then it was open claims, the list goes on. The entire month of XXXX from the XXXX I was told once the fees were cleared the account would close and Id receive my funds. Its a month later and my account is still not closed, theyve debited my account for the fees they claim I owed and I still have yet to have access to my funds or receive a cashiers check. Im currently going through a hardship where Im at the closing process for my first home for me and my children and Im currently pregnant. Ive stressed to them over and over the mental and emotional trauma this is causing. That money, my money is for my down payment and Im only allowed so many extensions before the sellers go with another buyer. Ive filed and requested the hardship request with Bank of America to go in and withdraw my funds and it was denied. Ive been with them XXXX I dont understand why this is happening.
Consumer complaint received 2017-07-18
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: Experian Information Solutions Inc. (CA)

XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with Experian,   XXXX   and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX of 2020. The last attempt I was told that I would have to reach out to the credit bureaus from correction. That doesn't make sense. It is inaccurate why would the solution be to contact the reporting bureaus. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (FL)

XXXX collection agency is reporting that I owe {$310.00}. I 'm assuming for XXXX. They put the report on me in XXXX XXXX. XXXX was not mine. I had ordered something from them over and closed the account. When I moved out of state I believe the account was reopened by my ex and his gf. I disputed XXXX XXXX XXXX and they removed there neg reporting and my balance to {$0.00} so I do n't owe this collection agency anything
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-18
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It has been over 7 months the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2023-01-02
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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)

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

XXXX XXXX
Consumer complaint received 2023-01-02
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX  and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-10-24
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Viking Client Services (IN)

Viking Client Services ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XXXX/XXXX/2017 and on XXXX/XXXX/2017 - They contacted a relative and left a message, then disclosed that they are attempting collect a debt.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is essential that consumer reporting agencies such as Equifax and XXXX carry out their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I am entitled to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions, including entities that furnish information to credit agencies, have an obligation to respect customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies like Equifax and XXXX are only allowed to furnish consumer reports when provided with written instructions from the respective consumers. Neither the financial institution furnishing the information nor Equifax and XXXX have obtained my consent or written authorization to furnish my information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, to Equifax, XXXX, and the financial institution furnishing the information, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their right to nondisclosure. The financial institution has failed to inform me of my right to exercise this option.

In addition, as per 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse items of information in a consumer report, except for records of convictions of crimes that occurred more than seven years ago, unless authorized under subsection ( b ). The reporting of this account as an adverse item without my permission is a violation of the law.

Moreover, under 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information to a consumer reporting agency if the person knows or reasonably believes the information to be inaccurate. Equifax and XXXX have not maintained reasonable procedures to prevent violations of Section 1681c and limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (VA)

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
Consumer complaint received 2024-06-14
Product: Credit card — Store credit 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: Affirm Holdings, Inc (GA)

Opened Affirm loan XXXX for a purchase on XXXX for two lawnmowers. I never received the two lawnmowers. The XXXX seller sent two false tracking numbers. One a XXXX  tracking for a package from XXXX ( not XXXX ) shipped to an XXXX customer NOT my address nor my package. Later I was sent a XXXX package that also belonged to an XXXX customer. Again not even XXXX package. The package had a different persons name and XXXX said the package was NOT mine. I have proof from XXXX and XXXX showing these packages were NOT mine. XXXX gave a partial refund and closed my dispute. Affirm sided with XXXX and closed my dispute and affirm are demanding I pay the remaining balance.
Consumer complaint received 2023-07-11
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)

XXXX XXXX XXXX ACCOUNT NUMBER # XXXX OPEN DATE XX/XX/2007 {$32000.00} THIS IS NOT MY ACCOUNT I WAS NEVER IN THE MILITARY OR NOR DO I HAVE A BANK ACCOUNT WITH THIS BANK I NEED THE REMOVE
Consumer complaint received 2018-06-11
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: CNG FINANCIAL CORPORATION (NC)

This is appearing on my credit, the loan was taken in XXXX. I live in XXXX, it is illegal to take a payday loan in XXXX. This information is incorrect and does not belong to me. The company refuses to take this off my credit
Consumer complaint received 2017-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (TN)

On XX/XX/XXXX I contacted a number I found in an article on XXXX regarding a student loan forgiveness program. I spoke to a young man named XXXX. He gave me a direct number of XXXX. He logged into my student loan information online and told me I was approved for a relief program. I would pay {$13.00} and some odd cents for 102 months. After those payments were on time the remaining student loan debt would be forgiven and my student loans would be payed off by his company. He told me his company would pay off XXXX and take over my debt. My payments would go directly to them. On XX/XX/XXXX, I noticed a withdraw to premier student loan center for {$180.00}. When I attempted to call the number given to me by XXXX, I was sent to a voicemail. I left my contact info and received a call back shortly. I was asked, " Are you interested in student loan forgiveness? '' When my answer was anything but " yes '' the call was immediately ended without explanation. This happened 3 different times with 3 different callers.
I feel like I have been scammed and am ashamed that I fell for it. I am just an honest woman trying to lower my bills and improve my credit score.