davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX I did a consumer credit transaction with synchrony/paypal bank. The total amount of the transaction was for {$1500.00}. A few weeks after the initial transaction, I received an email from Paypal on XX/XX/XXXX that a payment was due on the account. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After several attempts of Synchrony bank trying to collect this alleged debt from me, I sent them two documents one being a debt validation letter and the second being a cease and desist. These documents were sent via XXXX on XX/XX/XXXX and was delivered to the company on XXXX, XXXX at XXXX XXXX and signed by someone by the name of XXXX. Today I am contacting the CFPB to get this resolved as quickly as possible, as the information on my credit report is illegal and damaging my reputation.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

My venmo account has been frozen and I don't know why, they refused to tell me why and now my {$2000.00} is in the app and I can't have access to it, my account was frozen on the XXXX of XXXX and I submitted my drivers license and it still hasn't helped me to recover my money, even when my account is verified I still can't Get my money
Consumer complaint received 2021-01-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (MD)

American Express Personal Savings promoted that they would credit 25,000 Membership Rewards points within 8-12 weeks after the primary account holder deposited a total of {$25000.00} or more into a new account by XX/XX/2020 and held those funds in the account through XX/XX/2020. I opened a new account on XX/XX/2020 and deposited {$25000.00}. However Amex Savings did not credit me with 25,000 points. I called multiple times but Amex Savings did not resolve my issue.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (TX)

On XX/XX/2020 I send World Finance a certified letter requesting validation because XXXX XXXX keep reporting inaccurate information on my credit reports with XXXX XXXXXXXX XXXX and XXXX. 
I demand validation, instead XXXX XXXX sent me a letter stating it acted as validation. 

All three credit agencies keep allowing this inaccuracy. Simply not demanding the correct documents from XXXX XXXX thats allowing them to hinder my credit maliciously by reporting inaccurately that I owe XXXX
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

We sent a certified letter to Equifax on XX/XX/2020 and have not seen any progress on the removal of the fraudulent credit application. All the other credit reporting companies have followed up and remove said dispute.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WA)

Through my Chase Sapphire Reserve Credit card, I signed up for Chase 's XXXX XXXX promotion in XXXX of last year. I've reviewed the Chase promotion terms of agreement and ensured I was in complete compliance. 

The promotion advertises that it provides both a free monthly subscription ( monthly charges of {$9.00} are to be reimbursed ) and a {$60.00} annual credit. I recently realized that while I got the {$60.00} annual credit upon activation, I never received the monthly XXXX credits from XXXX through XXXX, despite being activated. That's a total of 8 monthly charges of {$9.00} each, totaling {$79.00} I know it was activated because I received that {$60.00} credit immediately upon use, and the app was downloaded to my account. I've since received one {$9.00} monthly credit for XX/XX/XXXX, but I am still owed {$79.00}, for the uncredited months of XXXX through XX/XX/2020. 

I've called the Chase customer service line and spoken to supervisors about this no fewer than five times beginning of XXXX. Each and every time the Chase rep tells me that they'll be processing a credit in the full amount of {$79.00} in 7-10 business days. That has not happened. And each time I call back and have the exact same conversation again.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY XXXX CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXX XXXX XXXXXXXX and also XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX IS BEING REPORTED TO MY XXXX ACCOUNT. 

ALSO ON MY EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX IS BEING REPORTED WHICH IS INACCURATE
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (CA)

There was unauthorized reopening or fraudulent extension of an account in my name, by my younger sister, during the time she lived and on occasion house sat for me. Along with other things, this was hidden from me. reluctant to at first, I did eventually report this to the bureaus. The company name is XXXX, was originally " charged off '' in the amount of {$2400.00} and was sold to a company named " XXXX XXXX ''. Equifax did remove the associated company XXXX XXXX XXXX XXXX from my report, but never removed the parent company ( XXXX ) where the debt came from. After initially complaining to CFPB, Equifax updated the account again, to reflect, {$0.00} balance owed, {$0.00} past due and relocated it to the closed account section of my report. I appreciate that because at-least I'm no longer being affected negatively by it.The problem that I have is that a fraudulent account or charge shouldn't ' be on my credit report, whether it be positive or negative. Each time I dispute, I'm told the company verified the info. If that were true, why remove XXXX XXXX? And how are different are the verification processes for XXXX  and XXXX? Both companies removed both of the above mentioned many months ago when I first became aware and reported this.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX Bank of America took hold of my funds in the amount of XXXX in my account of # XXXX I then called to inform them of a transfer that wasnt supposed to go into that account on XX/XX/XXXX and wrote them in letter form of this mistake as well. I then called them the again XX/XX/XXXX to see what I need to do to get my funds returned because they never responded to my letter, Bank of America customer service red flagged line then told me that my funds were being held in there back office for investigation. I then Inform them again of wrong bank information was mistakenly placed down, and couldnt be changed on the SBAs website or by phone. I didnt think it was a big deal but this small mistake has gotten my account closed and red flagged. And Now it has been 6 months today XX/XX/XXXX of investigations on me making me look like I did something wrong which wasnt the case. Bank of America has treated me so terrible during this process that I need to seek legal actions. I have uploaded all information on what I have on them and paperwork that Ive sent them to get them to understand I am not a criminal, Im a XXXX XXXX of the company XXXX XXXX, and my Name is Ms XXXX XXXX. But they will not respond or send my funds back to me, after knowing who I am and what mistake I made, they have done a investigation and founded nothing wrong in what I did, and still no response or return of my funds.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-03-01
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: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (AZ)

My rights have been violated in relation to an account on my credit report. 
XXXX XXXX XXXX  XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted. 

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Consumer complaint received 2021-01-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This complaint is in reference to a Bank of America Credit Card ( XXXX ) that still is being reported by the Credit Bureau that it still has a balance owed of {$8400.00}. I filed a Chapter XXXX on XX/XX/XXXX, because of lost income and could not keep up with my payments to Bank of America. This debt was named in my filing and my Bankruptcy was XXXX on XX/XX/XXXX. I have made several attempts to dispute this inaccuracy, without resolution for almost five years. I applied for a mortgage in XXXX of XXXX and they informed me that I still owed Bank of America for this credit card. After their internal investigation and me giving them my Bankruptcy Account Order number ( XXXX XXXX  ), I was able to get approved for the mortgage. However, this particular situation continues to be a major problem whenever I want to apply for credit. Most recently I applied for a personal loan and the Loan Officer stated that I owed Bank of America and what was the reason the balance was still outstanding. I had to supply him with my Bankruptcy XXXX  paperwork that included the liquidation of this debt from the credit card. I need assistance in getting this problem resolved immediately, it continues to haunt me and is a great distraction and embarrassment as I move forward to rebuild my credit and life. 

Thanks, I can be reached via email at XXXX or by phone at ( XXXX ) XXXX.
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Company   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-12
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: Io, Inc. (MD)

I XXXX XXXX XXXX XXXX am the original creditor, natural person and consumer and I have recently obtained a copy of my credit report and noticed an unauthorized account being reported. I did not give written consent for the unauthorized account to be reported against my consumer credit report which is a violation of my consumer privacy rights under 15 USC 1681 A. I have not entered into any agreement with REC MGM Systems and demanding a validation of this alleged debt by way of contract that gives REC MGM Systems grounds to collect a debt from me. To be clear a statement is not a contract. REC MGM Systems is also in violation of 15 USC 1692 E 2 ( A ) and is causing me grave distress and ruining ( 15 USC 1681 ) my reputation by continuing to report this alleged debt on my consumer credit report.
Consumer complaint received 2023-07-05
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnisher, XXXX XXXX, and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act or UC-C . They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (MO)

I have had an Direct Express Card for a very long time. And ; recently, I had put in for a new Card. Its been well over 3 weeks now. And ; I have still not gotten it. My Mom ; and I both ; have been trying to call to get this issue cleared up. But ; when can not get ahold of a live person to talk to involving this issue!!. I am on XXXX, my brother had to my rent this month, I havent been able to buy groceries, or anything for that matter. I dont know, what I would of done without the help and the love of my family. But ; its not their situation. And ; I want my new card!?. I dont know what is going on with these people. But ; I after I get my new card. Im, not going to be using them!?. No more!!. But, I need to get my new card with my money!!. Ive, even texted the President of the Company!?. Left my e-mail address and everything!!. No reply!?. Just ; got online with these people again, and, yes, they can help me, For ; a fee, that is!?!. Now, how do these people, want me to pay them a fee, when they have my card and my money. And ; they arent going to get another dime from me!!. Ive called the U.S. Postal Service ; as well. Just ; keep getting recordings of ; Sorry ; due to the Co/Vid ; we are having lack of staff. And ; then it hangs up on you!!. Something ; is terribly wrong, And ; theyre are So many other People ; talking about this Business!!. And ; how they are having trouble ; as well. Thank you for your time. Please ; let me know what 2 do next?!!. Thank you!!.
Consumer complaint received 2017-08-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (GA)

I attended school at XXXX College, SC, in XX/XX/XXXX-XX/XX/XXXX. I received a XXXX scholarship in the amount of {$7500.00}, and the remaining balance of the tuition was paid for by the good graces of my parents. They paid around {$7500.00} of their own money to cover the remaining tuition. 9 years later, in XX/XX/XXXX, I received a notice from debt collector, XXXX XXXX, explaining that I needed to begin paying my loan off or I would be sent to collections. They made threats, saying my credit score would be effected, and that they would start garnishing my wages. They harassed me so often that year, that I began paying them in XX/XX/XXXX or XX/XX/XXXX. $ XXXX.month, for a " rehabilitation '' period of 9 months. Well, i paid them until XX/XX/XXXX, when I felt suddenly something was very wrong with this " loan ''. Sure enough, when i requested a promissory note, they never sent me one. Multiple times. Nothing. I also never received any formal documentation in the mail, not once. I then stopped making payments after XX/XX/XXXX. Then, suddenly, in XX/XX/XXXX, I began receiving calls from XXXX ( XXXX XXXX XXXX ). They too were making threats of wage garnishments and credit hits. I asked them what loan they were even talking about, and they said that I took out a loan from Wells Fargo. I then told them that no, I did not ever take a loan out for school at XXXX College, that i was on baseball scholarship, and my parents paid for the rest of the tuition with their own money. They told me that they dont know anything other than " well, it may have been a small loan, maybe for books or something, and that 's maybe why I do n't remember it ''. Not knowing if any of this was true, I refused to pay them and asked them to put me on the Do Not Call List. The calls persisted, and I asked them again several times from XX/XX/XXXX- XX/XX/XXXX to put me on the do not call list. The gentlemen on the other end of the line had a nasty attitude. He spoke down to me, as if I was a bad person for not paying my loans. Finally, beginning in this month, XX/XX/XXXX, I no longer received any calls. However, my credit has been ruined, I 've paid them $ 400+, and I still do n't have a promissory note ( because it does n't exist ). 
It is my belief that Wells Fargo forged this account without my, or my parents knowledge. I never have set foot in a Wells Fargo in my life, nor has myself or my parents ever banked with Wells Fargo. I am seeking advice/ legal/ financial restitution for this fraudulent act against myself. I believe this is the tip of the iceberg, as I am currently investigating yet another loan, this one through XXXX XXXX.
Consumer complaint received 2023-01-02
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. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact wXXXX XXXX XXXX  and they do not have information pursuant to XXXX XXXX XXXX. They are XXXX, badgering my credit with no explanation on an erroneous alleged chargeoff.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Inaccurate Inquiries on Credit Report XXXX  ( Finance ) XX/XX/2022 XXXX  XXXX XXXX  ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 XXXX
Consumer complaint received 2020-07-30
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. (FL)

THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE