davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

{$94.00} was taken from my Wells Fargo account on XX/XX/18. I added my wife to my account. The banker did not inform us that she owed money or that Wells Fargo would be taking money. Wells Fargo could not tell me why they could not contact me at any time during this process and inform me that they'd be draining my account to XXXX They could not explain why they didn't give me the opportunity to settle the debt or how much more they would be taking. I asked them if it was typical Wells Fargo fraud to allow someone with a debt to be added to someone else account simply because they know I will always have money to pay them. I asked them if these are the types of tactics that have them in all these settlements or lawsuits. I asked them if this was retaliation for me adding my name to the settlement I was emailed about. They had no response other than go to the local branch and ask them.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Based on the provided credit report information from XXXX, Experian, and XXXX for the XXXX XXXX Bank account, here are the inconsistencies and inaccuracies in the data between each credit bureau Account Type - Detail : XXXX and XXXX report " Revolving account, '' while Experian reports " Credit Card '' as the account type detail. This is an inconsistency in the account type detail. 
Bureau Code : XXXX and Experian report " Individual account, '' while XXXX reports " Individual Account '' as the bureau code. This inconsistency is minor but still exists. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while Experian and XXXX do not provide this information. The inconsistency is that XXXX has a specific monthly payment amount, while the other two bureaus do not report any monthly payment. 
No. of Months ( terms ) : Experian reports " Revolving '' under this field, while XXXX and XXXX do not provide any information. This inconsistency is that Experian specifies the term as " Revolving, '' while the others do not have this data. 
High Credit : XXXX reports a " High Credit '' of " {$640.00}, '' while Experian and XXXX do not provide this information. The inconsistency is that XXXX reports a specific high credit amount, while the other two bureaus do not report it. 
Payment Status : XXXX reports " Charged off as bad debt, '' Experian reports " Charge-off, '' and XXXX reports XXXX CO '' ( which also signifies a charge-off ). While they all indicate a charge-off, the wording and abbreviation used are different. 
Last Reported : XXXX reports the last reported date as " XX/XX/2023, '' Experian as " XX/XX/2023, '' and XXXX as " XX/XX/2023. '' There is a discrepancy in the last reported date among the XXXX credit bureaus. 
Date Last Active : XXXX and XXXX report " XX/XX/2023, '' while Experian reports " XX/XX/2023 '' as the date last active. This is a significant discrepancy in the reported date last active. 
Two-Year Payment History : XXXX, Experian, and XXXX provide different information about the payment history for the past two years. Each bureau has its own set of months and year-specific data. This inconsistency is due to differences in how each bureau reports this history.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The credit bureaus XXXX and Transunion are reporting inaccurate information on my credit file. They are reporting a late on XXXX/XXXX  for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Transaction Date : XX/XX/2023 Transaction : MEMBERSHIP FEE XXXX XXXX XXXX Amount : {$490.00} plus interest charged We called in and cancelled this card over the phone on XX/XX/2023. The agent confirmed cancellation and we thought that the account is closed. I logged in today just to make sure and noticed that Citibank charged me {$490.00} and my account is past due and was never closed! 

I called customer service and explained this to them and explained why I chose to close the card back in XXXX due to financial hardship and they were not helpful and were rather rude and aggressive. This is predatory. 

I would like the charges refunded along with the interest and this account closed.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I hope this letter finds you well. I am writing to express my ongoing frustration and concern regarding the repeated attempts I have made to remove an accounts included in XXXX and public records from my credit report. Despite my diligent efforts to rectify this issue, it persists, causing significant harm to my financial well-being. 

I initially contacted your agency on date of initial dispute to report and dispute an account that is inaccurately included in XXXX and public records on my credit report. Since then, I have made several additional attempts to address this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. 

Regrettably, despite my persistent efforts, this account remains on my credit report, negatively impacting my credit score, financial credibility, and overall trust in your agency 's ability to maintain accurate credit reports. This inaccurately reported account has a direct impact on my ability to secure loans, housing, employment opportunities, and other financial endeavors. 

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of this account in XXXX and public records. It is crucial to emphasize that this account does not belong in bankruptcies or public records and is not a reflection of my financial responsibility. 

I urgently request that you take immediate and definitive action to remove this account from the XXXX and public records section of my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the correction has been made. 

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your immediate assistance to remove these following items : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00}.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (TN)

I noticed on my credit report that I had a collections account with XXXX. I already paid a balance of {$390.00} with XXXX prior to closing my account with them, bringing my account balance to {$0.00} which I then immediately closed the account directly after. 30 days later, I noticed a collections account of {$390.00} on my credit report. This account is NOT mine and is being falsely reported on my consumer report. 

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
Consumer complaint received 2023-09-21
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. (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account was opened without my consent. This account is by default and I didn't open or ask for an account. This account is incomplete and the information is illegal to report especially when i identify the reasons for the account to be removed and deleted. 15 usc 1681i ( a ) ( b ), 15 usc 1681s-2/ 15 usc 1681c-1 is violating my consumer rights.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NC)

My Apple Card was restricted, before that I had made a purchase, and I authorized that it was me, it was still restricted. 

the email associated with the apple card is : XXXX and the last XXXX digits the card XXXX and the last XXXX digits of my social security XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my numerous 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
Consumer complaint received 2024-05-09
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: CONRAD CREDIT CORPORATION (MA)

I worked with XXXX XXXX XXXX ( XXXX XXXX ) to settle a XXXX debt. They where helpful and allowed for me to settle the debt with a payment plan. I completed the payment plan and settled the debt in full by XXXX XXXX XXXX 

The collections account no longer shows on XXXX or XXXX. However, it still remains on XXXX. 

I disputed the account twice as it was still showing as XXXX and XXXX. This is causing red flags with my bank as I am trying to purchase a home. 

After disputing this account and attaching information such as a letter directly from the collections agency showing that the debt is settled in full, the results still came back as Accurate and No Change Needed. 

I worked with CONRAD this week to see if there is anything else they can do for me. They offered to go on a conference call with XXXX and shared an XXXX number. 

I called XXXX again to inquire about the options and let them know that CONRAD Collections XXXX. They where able to send another update to XXXX in hope that it would help, but it had not. CONRAD is just as confused as to where the glitch may be that is still causing this misrepresentation of my account. 

I called XXXX and they said the only thing that I can do now is file a complaint with CFPB. 

I am looking for assistance as I am in the process of purchasing a home, please. 

Thank you
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC (TX)

I applied for a refinance with XXXX XXXX, who ran a credit check on Credco, immediately after they ran my credit I recieved over XXXX calls in XXXX hours to my cell phone with companies trying to solicit mortgage refinance.
Consumer complaint received 2023-02-11
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 ()

Good afternoon. 
Reference ID : XXXX I want to file a complaint because my account was restricted and closed for no reason. I accepted payment for programming, coding and other projects, but they closed it and did not give me anything to explain. Please consider my appeal and give a serious answer
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MID FLORIDA FINANCING LLC (FL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (OK)

I was looking at a loan through XXXX and they submitted my information for OppLoans by OppFi I have no idea who this company is but this is what they offered me it was the only offer over and over and over Overview Loan amount : {$2400.00} Monthly payment* : {$440.00} APR* : 159.99 % Term* : 10 months Interest and fees : {$2000.00} Total cost i : {$4400.00} XXXX thought no way its 159.99 % interest rate so I opening the offer and it stayed the same. This is insane and usurious.
Consumer complaint received 2023-09-29
Product: 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 (NY)

I received an American Express Virtual Reward Gift Card for {$26.00}. It is for online use only and has been rejected by every merchant Ive tried to use it with including XXXX and XXXX. All attempted purchases have been for less than the available card balance. Customer service has said repeatedly that it will not work anywhere that requires a billing name and address- which is everywhere!
Consumer complaint received 2023-02-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

I filed a claim with Navy federal for unauthorized transaction that I noticed in my account. On XX/XX/XXXX then I spotted additional charges on XX/XX/XXXX so I called to add those charges to the claim I was told that I would have to create a new claim but they will notate the account that the new claim goes with the existing claim. Same fraudulent transaction from the same entity done on different days. Well they just approved the first claim and found that it was valid but denied the second claim. The same fraudulent activity that went on with the first claim went on with the second claim they denied as well. I would like for my second claim to be validated and the money returned to me.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account that I have with this credit card company was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.