davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

XXXX  is still reporting me a collection account that I have already settled and have proof of a " Deletion Letter '' directly from the collection agency. Please see the attached document as proof. XXXX  is the only bureau that is not doing their due diligence in reporting accurate information. This collection account needs to be deleted asap from my credit!
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is so annoying & frustrating. Ive sent to 3 Credit Bureaus multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In 3 Credit Bureaus ' responses make the claim that has not initiated any disputes on my behalf due to the fraudulent or high-risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it was deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that have been damaged. List of items that are UNKNOWN to me : XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CA)

Equifax is still reporting me a collection account that I have already settled and have proof of a " Deletion Letter '' directly from the collection agency. Please see the attached document as proof. Equifax is the only bureau that is not doing their due diligence in reporting accurate information. This collection account needs to be deleted asap from my credit!
Consumer complaint received 2017-09-09
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)

Yesterday, XXXX XXXX of 2017, I received word from public news that Equifax was hit with a security breach that has affected 147 Million citizens. I have put myself on fraud alert. I have done an annual report and have saved those reports.
I attempted to check with Equifax if I am certainly one out of 147 million compromised by going to their TrustedID Premiere. Entered my information ( last 6 of social and last name ), and it says " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is asking me to enroll in a service just to see if I was affected or not. From what others on social media are saying, there was a clause that would prevent myself from taking a class action lawsuit if I continued. 

I also saw based on their FAQ their would be no waiver of rights for enrollment due to the security breach. Unfortunately, the seed is planted, and I find it discomforting that I may be doing my self more harm that good just to get peace of mind. 

I understand the gravitas in this breach and mass number in accounts compromised. However, based on news of this breach, I only feel these actions made from Equifax, placing roadblocks on getting the answers I 'm seeking, has only made things harder for myself and my family in the future.
Consumer complaint received 2023-03-09
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. (LA)

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 reports no consent is fraud.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I had my tax refund and my stimulus check deposited on an American Express Serve card. I contacted the IRS and they verified the amount, date and account number that the money was deposited in. 
I followed their instructions on how to access the funds and no luck. There is no customer service help. I sent them a certified letter with everything documented and I still have heard nothing. 
We are talking about over {$2200.00}. For someone on XXXX thats a lot of money. Im disgusted with American Express and hope you can help. Thank you.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has locked me out of my online portals, and even upon calling to fix they haven't done it in a year. I am unable to look at my car loan, to even see what I owe, or make payments the easy way. This has been on ongoing issue for such a long time, and once my car was repossessed due to not being able to see my payments. I since got the car back, but it cost me {$1400.00} due to their negligence.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (KY)

i had a account with wells fargo and it is saying that there is a balance of {$920.00} and i have no idea where to pay this bill at and i feel like i shouldnt have to pay for an account or have it on my credit report if i have no knowledge of how to pay it
Consumer complaint received 2023-07-09
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 (CA)

Hello, I had a credit card with Bank of America. They closed my account without advising me or calling me in advance. I had automatic payments and when the closed it they also disengaged my automatic payment. Later they reported me late.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My husband sold his company recently. The acquiring organization is based in XXXX. He received about {$320000.00} from the sale and had it deposited in my bank account, Capital One 306. We had access to the money for about three weeks, but funds were frozen just as we issued a large wire payment to repay a debt ( 2 payments, equal to {$110000.00} ) and scheduled a transfer of most of the remaining funds ( roughly {$120000.00} ) to XXXX XXXX to invest in a mutual fund. 

Conveniently for the bank - who pays us 0.1 % interest on over {$250000.00} and uses that as the basis to lend out {>= $1,000,000} at 8 % interest- they decided this amounted to " suspicious activity. '' So they closed my account. Their official justification is that my husband set up the wire transfers ( at my request, because I'm not great at that kind of thing ). 

Which is fine. If they don't want our money after 10 years, that's fine. 

They then sent us an email ( we kept a copy ) saying that a check would be mailed to us in 7 to 10 business days. That was 20 business days ago. 

Since we haven't received it, we called... we were told that our account hadn't been closed, and it was under investigation. No funds would be released until after the investigation was completed. 

So, they lied to us ... and have probably made about {$15000.00} in interest in the meantime. 

Then they gave us the phone number of an anonymous voicemail box that assured us we'd get a call back in XXXX hours. 

That was 50 hours ago. 

So, they lied to us again. 

Today, when we called to figure out why we didn't get a callback within 48 hours, the first person hung up on us. 

The second person didn't help us and did his best to not connect us with a supervisor. 

We then connected with a supervisor who... hung up on us after saying his name. 

So, where is our {$250000.00}? Why is it being investigated? Do we get a voice in this process? Why has the bank lied to us twice now? Is there a consequence to them lying to us? When can we expect our money?
Consumer complaint received 2021-05-27
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2017-05-18
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. (TN)

I sent in a certified letter to Equifax on  XXXX   XXXX ,  2017 . It contained an ID Theft Affidavit, a police report, my ID, and all pertinent information. An investigation was done and   XXXX   and   XXXX   removed the fraudulent account. However, Equifax refuses to remove the account. They are destroying my credit life in clear violation of FCRA laws. They are to remove the information and block it. They have passed 30 days and they refuse to remove the fraudulent accounts in clear violation of FCRA laws
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/XXXX I attempted to transfer {$620.00} from my PayPal account to a debit card and the transfer was sent to a closed XXXX XXXX debit card account and not the correct place it was supposed to be sent to. 

After realizing this took place, I contacted Paypal and was told it would return to my Paypal account within 24-48 hours and to call XXXX XXXX. I then called XXXX XXXX and did not get any help or helpful information to resolve this issue. 

As the consumer, we rely on companies like Paypal and XXXX XXXX to provide assistance in the best interest of the consumer, and as we don't know the right way and don't have access to get it resolved on our own.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Dear Bureau.

Hello, I am XXXX XXXX writing to request that you correct the inappropriate information on my credit report. This inquiry does not belong to me. I am attaching to you the documents and my appeal to the CFPB In accordance with the law, I have the opportunity to demand that you respect my rights. 
Please remove this inquiry : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JP Development, Inc. (ID)

A judgement was entered from  XXXX   XXXX ,  XXXX . Idaho has a   XXXX   year renewal.  XXXX  renewal  XXXX .  XXXX  renewal date  XXXX   XXXX ,  XXXX .   { XXXX } Principal debt { XXXX } Post-judgement interest { XXXX } Accrued costs { XXXX } Total debt The original debt is a mistake. The   XXXX   XXXX  , which has since closed, never presented the debt to defendant and judgement was made without our knowing. This is a complete mistake. We never received any information or opportunity to solve this matter until  XXXX  and now again  XXXX . The debt collector and  XXXX   XXXX  practice have the same address.
Consumer complaint received 2017-05-04
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: EQUIFAX, INC. (CA)

I asked  XXXX  to verify the account and they still have not even aft er 4 ce rtified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car f or 2 week s after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX , Equifax and   XXXX   for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
Consumer complaint received 2021-05-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-05-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MS)

I PURCHASED THE  XXXX   XXXX   XXXX . IN  XXXX  AND OBTAINED  A COMMERICAL   MORTGAGE  FRO M NATIONAL CITY MORTGAGE . CONSEQUENTLY IT FORCLOSED IN  XXXX , BUT LOOKING BACK I SHOULD HAVE NEVER BEEN APPROVED FOR A  XXXX  COMMERCIAL LOAN. I FEEL THAT THIS WAS A BLANTANT PREDATORY LENDING PRACTICE. NOW MY CREDIT IS MESSED UP. I CAN NOT BUY A BIKE WITH CREDIT.
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (OH)

2017 XXXX XXXX, from XXXX XXXX, sticker price was XXXX, trade in was supposed to be XXXX, plus i put {$1000.00} down, ally financed car at 8.99 %, brother co signed, would not change brothers name, his name is XXXX XXXX, they put XXXX XXXX, finance XXXX. finance change XXXX ending amount {$48000.00}, ally financial, paying {$580.00} dollars a month for 84 months, payment was late due to mail issue, was charged an addition {$20.00} dollars, didnt pay that was was changed another additional {$20.00}, i was late on one payment due to XXXX  XXXX, i feel im being overcharged by XXXX XXXX and ally, call it discrimination, hopng someone would look into this and correct and award me damages!
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (IN)

COMENTY IS FAILING TO REPORTS ALL ACCOUNT TO  XXXX . THESE ARE UNLAWFULL ACTS TO CONSUMERS.     RE-INSERT ALL ACCOUNTS ONTO OUR CREDIT REORTS.     THIS VIOLATING THE DODD-FRANK ACT AND OTHERS LAWS.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I had a personal Chase Sapphire credit card before and decided not to renew the card and canceled the card on XX/XX/XXXX with a customer service staff on the phone. I made a final payment around {$4600.00} ( I can't remember the exact amount. ) on XX/XX/XXXX and haven't used afterwards until I canceled the card. By the time I canceled the card the reward point was XXXX and it was equivalant to {$1000.00}. The customer service staff said I can be paid that amount of money, that's why I canceled the card. I requested to send the money to my XXXX bank account and gave my XXXX account number. I had been waited for the money but I couldn't receive it. After that I called Chase credit card customer service XXXX XXXX. They have been telling me that they don't have an access since the account has closed and can't give my money back. Even I said I have the credit card statement but they didn't want to pay for me. This is really unfare and I can't give it up.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (CA)

I SPOKE TO THE CREDIT BUREAUS REGARDING INQUIRES THAT I DID NOT AUTHORIZE AND WAS TOLD TO FILE A COMPLIANT TO HAVE THEM REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2021-05-27
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. (CA)

I SPOKE TO THE CREDIT BUREAUS REGARDING INQUIRES THAT I DID NOT AUTHORIZE AND WAS TOLD TO FILE A COMPLIANT TO HAVE THEM REMOVED FROM MY CREDIT REPORT