davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

I have a Venmo account. Someone stole my photo and created a username one off from mine and started Venmo requesting my friends saying that I would pay them back. Venmo support says they cant take down the account and theres nothing they can do.
Consumer complaint received 2024-04-25
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america not sending me my bank statements XXXX requested my bank statements from the begining 8f my account to this day .several times and still have not tecieved them ..nor can i view them online .. my last XXXX complaints madesent to bank of america returned marked as duplicated complaints ..but they are not both complaints speak about different issues im having with bank of america ..so they should not be considered closed..
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CA)

I had 2 credit cards with Wells Fargo. My first card had a XXXX XXXX dollar limit and the second card had a XXXX XXXX dollar limit both with XXXX introductory rates. Wells Fargo reduced my credit limit to below the amount I charged on it which led to me being over my limit because I was making a minimum payment. 
My payments were automatically debited and no-one contacted me and indicated my limit would be decreased. Decreasing my limit has caused my credit score to dive XXXX points in a short period of time. 
Wells Fargo also CLOSED my other account with NO PRIOR NOTIFICATION. I am having residual issues with other cards increasing my interest rates because of 1 company.
Consumer complaint received 2024-11-06
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. (IL)

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) That you XXXX, transunion and XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fradulent, inaccurate and false information consists of several personal credit cards opened at XXXX account number XXXX and XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX and an auto loan from XXXX XXXX  account XXXX. These accounts have resulted in several fradulent hard inquiries and fradulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the mentioned fradulent items.I do not recognize the above mentioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections or hard inquiries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer accounts, collections and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

In XXXX XXXX XXXX, I made a payment on my Barclays credit card. The amount was for {$750.00} which was the total balance as I pay off my credit cards each and every month. After making the payment online and on time. I received a notification from XXXXXXXX XXXX which stated that the account was sold to them and that I owed them {$750.00}. I told them that I had already paid the account and that it was made out to Barclays bank as they were the current owner of the time that payment was made. I was then sent back forth between Barclays Bank and XXXXXXXX XXXX in regards to the payment. XXXX stated that they never received the payment and that if I didn't make a payment they would report me late. Because my credit is impeccable I didn't want to chance it. So I made an additional payment to XXXXXXXX XXXX in the amount of {$750.00}. I then filed a complaint and was told that an investigation would be started to resolve it. I ever provided both Banks with copies of the initial payment that was sent to Barclays back in XXXXXXXX XXXX XXXX. It is now XXXX and I'm still out {$750.00} as a result of there inept ability. I contacted Barclays Bank just last week and spoke to a Supervisor for over an hour trying to resolve it. The supervisor conveyed to me that it would be resolved in under 24 hours after speaking to her. Several days later I received an email stating that the account was sold by Barclays Bank and that will not investigate any further. This is XXXX! I called Barclays Bank back was told too Bad I need to contact XXXX XXXX since they are now handling the account. When I called XXXXXXXX XXXX back they said it's matter with Barclays. In other words, I've been given the complete runaround and I'm at my wits end. I tried taking civil action against Barclays Bank. However, they don't even have an agent for service in regards to small claims matter. I really need your assistance. Thank you in advance XXXX XXXX
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Between XX/XX/2020 to XX/XX/2020, JP Morgan Chase stopped managing my investment account, which resulted in the loss of {$120000.00} due to the mismanagement, lack of supervision, trades, and other account management duties that were failed to be conducted by JP Morgan Chase. In addition to the investment loss during that time, JP Morgan Chase promised in sales promotions {$200.00} for new checking accounts, {$150.00} for new savigns accounts, and {$620.00} for new trade accounts. Both myself and my wife each opened all three of these accounts, met all of the promotion requirements, but JP Morgan Chase refused to honor or provide any of the sales promotions to us which they had promised us. To add further insult to injury, after disabling all of our newly opened accounts from their sales promotions which JP Morgan Chase refused to honor, JP Morgan Chase than spent over four months fighting us and the new investment bank we had chosen to do business with over them in preventing us from transferring our account from them which they refused to manage and were losing over a XXXX XXXX dollars on. In addition to all of these injuries, JP Morgan Chase also has confiscated {$20000.00} from our savings account, which to this date they have refused to return to us. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (MO)

On XXXX we decided to apply for a second credit card. In that process we realized that our credit reports had been frozen. We tried to unfreeze them at all 3 credit reporting companies. We were successful, except for the Experian credit report. After researching and trying to obtain login information & password in order to reset, I discovered that my username had been obtained when I worked at XXXX XXXXXXXX XXXX and there was a data breach. I retired from that company last XXXX. I have been trying since XX/XX/XXXX to get someone from Experian to assist me. I believe I just need the old username account deleted so that I am able to create a new account using my personal email, etc. We finally filed a complaint with the XXXX on XXXX because we could not get any help from Experian. Someone named XXXX left a voice mail later that day, but when we called her back ( many times ) she never answered the phone nor did she call us back in response to our messages we left. We received a response from our XXXX complaint that was incomplete, we responded to that reply and haven't heard anything since. Also sent an email to XXXX XXXX, the apparent CEO of Experian, on XXXX but have gotten no response. We have called 4-5 phone numbers multiple times since XXXX and was able to speak to a human being only once. He unfroze my account but had to escalate my case ( # XXXX ) as he was unable to determine what the problem with the username was. We have been working on this nearly daily for about 14 days and can not even find a person who is willing to respond or help us. It is ridiculous.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-01
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. (TX)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : ) Account # XXXX Account Name : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've sent numerous letters to EQUIFAX, XXXX AND XXXX to update an inaccurate and unverified late/missed payment on XX/XX/XXXX they have reporting and each time, they have disregarded. In each letter I requested them to show their investigation process, and they have never showed.I spoke with the furnisher, XXXX  OF XXXX ( XXXX ) XXXX on XX/XX/XXXX and they stated that there is no late/missed payment on XX/XX/XXXX. EQUIFAX, XXXX AND XXXX are deliberately committing fraud by not removing the late payment. EQUIFAX, XXXX AND XXXX have intentionally not done investigations, have not provided the investigation process and not showed investigation process. I require EQUIFAX, XXXX AND XXXX remove the inaccurate and unverified late payment they are reporting.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX  XXXX charged us twice for the same security equipment and erroneously provided statements with different due dates. We called and alerted them to this error and they changed the balance due to XXXX but still reported us late even though we were never late. When we called to complain it seems they closed the account with no explanation but did not remove the information about the false late payment. I have disputed this with the 3 credit bureaus without success. You can also see this is happening with this company as it pertains to other customers as well. 

https : XXXX
Consumer complaint received 2023-04-17
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. (NC)

On today XX/XX/XXXX I have noticed several inquiries on my credit profile amongst all 3 credit bureaus I haven't given authorization to inquire of my credit profile or have voluntary done so. I need the inquiries removed from my credit profile under the Federal Credit Report Act these inquiries should be removed immediately based on fraudulent reporting.I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. 

EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Francy Law Firm, P.C. (CO)

In XXXX, the banks were in crisis. We had been given a 2nd mortgage by XXXX XXXX XXXX to put a new addition on our home at XXXX XXXX XXXX XXXX XXXX CO XXXX. Back then, the values of the homes were inflated so the loans could be approved. Shortly after obtaining the loan, the banks crashed. We had our primary mortgage with XXXX XXXX XXXX, one of the largest culprits in the scandal. 

We had purchased a new home, and our realtor suggested renting our old property since we could never sell it and pay of the existing mortgages. We had a renter for a year and he lost his job due to the economic decline back then. The payments were not being made. I worked with a realtor for almost a year to attempt to short sale the house. XXXX approved us moving forward with the short sale if we paid them {$3900.00}, which we did in good faith. We had a buyer and were ready to close. Out of nowhere, XXXX XXXX XXXXXXXX put our home into foreclosure, just a day before we thought the short sale would go through. 

The home was foreclosed on, and XXXX XXXX XXXXXXXX did not take any further action on us however the 2nd we had with XXXX XXXX XXXX would not budge. XXXX wrote off the debt and most likely received a huge tax credit and turned us over to Francy Law firm for collections. 

Francy sent us threating notices to sue and if we didn't settle with them, they would take us to court, file a judgement against us and they could ask for ( and win ) 25 % of our income as a monthly payment. l I was scared, working a full time job and didn't know how to fight this. We couldn't afford an attorney. We believed what they were telling us, so we signed a settlement for the debt for a substantially lower payment than the 25 % of my income. 

The loan started out at {>= $1,000,000} and we have since paid {$35000.00} on a home we no longer have. The foreclosure caused my credit to take a hit for a few years. We still owe a balance of {$37000.00} and we are seeking help/advice if there is anything at all we can do? 

We have paid {$35000.00} in good faith to Francy ... our job with XXXX is questionable. They just laid off XXXX employees and we are looking to retire soon. We would really like to get out from under this if possible. 

Thanks for any help you can provide.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NY)

I am writing to bring to your attention and update you with the consumer reporting agency, XXXX, who have actually conducted a proper investigation and subsequently removed the inaccurate information in accordance with the FCRA guidelines. After careful review of my other credit reports, I still noticed other consumer reporting agencies continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; Furnishing inaccurate information is illegal! The agencies have violated XXXX Compliance procedures and format for reporting! The consumer reporting agencies are reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. The continued violation my federally protected consumer rights led me to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, XXXX XXXX XXXX  and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities have been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if XXXX, XXXX, and XXXX continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (TX)

Kickoff lending reporting late pay of 30 days x 2 All payment information was on file and processed as such each month. I spoke to multiple representatives and was told this would be resolved. 

At this point kickoff Is hurting my credit more than it helped- is this a scam?
Consumer complaint received 2022-10-17
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. (CA)

XXXX XXXX XXXX XXXX # XXXX they have a balance of XXXX and the company is giving me two different balances one is XXXX Trans Union as account # XXXX, the company as XXXX I have sent a complaint regarding this issue, and have not been corrected. I have sent the issue to all three credit report agencies, and the only one that didn't remove it from my credit report is trans union. XXXX and XXXX deleted it off my credit report, but Tran Union hasn't. they sent me a letter saying that it is verified, but nothing was changed on my credit report. I sent documents showing proof the information was incorrect, but they didn't fix anything, and nothing was changed. I need them to fix the issue. 

XXXX XXXX : # XXXX, XXXX, XXXX, XXXX XXXX  : XXXX, XXXX, XXXX XXXX, XXXX, XXXX All of these accounts were in forbearance ; they were never late and were under a law suite the payment was on a freeze. I have sent them letter after letter they still have not corrected the issue and never fixed it on my credit report. They show they have the account twice on my credit report with two companies. I want them to resolve the issue. They sent me a letter saying they Verified but they didn't do anything to fix yet XXXX has fixed it. 


If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (IL)

This account is not mine I keep tryna get it off my credit its hurting it they are violating my rights 15 usc 1692e ( e ) Law stating " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications reporting to my consumer report to a form of communication