davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-17
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report.

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

On  XX/XX/XXXX  I made a deposit of {$4800.00} in the ATM the receipt said funds would be available in 2 business days. In 2 days it was not available. I went on line and it had a hold until  XX/XX/XXXX . I contacted the bank they said the check was not endorsed so they had to wait for the funds to clear. I contacted the individual who wrote the check. He said that the check cleared his bank on  XX/XX/XXXX . I contacted the bank they said it did n't matter they could change the release to XX/XX/XXXX . My business is suffering because I ca n't order the parts  to build   the    XXXX   that were bought with that check. The release date is after the date the   XXXX   is to be completed which means I will have to refund money that I have no access to. The bank has no right to hold money from me that they received the day after the check was deposited. There are fees on my account because there are things trying to go through because of funds are not accessible. This is not the first time this has happened.
Consumer complaint received 2024-03-18
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One denied speaking to me when I have voice recordings of me speaking to a rep who advised that the late payments would be dropped since I'm experiencing financial difficulties due to Covid-19. Capital One referenced a bankruptcy in the previous complaint which is irrelevant information and only ployed in the response to try to justify character of default. In response I have submitted documents showing that Capital One has also been affected by the pandemic and had to close down most of the brick and mortar 's to compensate for today 's economy which is why they should further understand the position that I am in. Making me go through great measures to obtain Covid-19 protected status should not be as I am a loyal customer. Capital One has also been affected by XXXX this year resulting in XXXX customers data breach the company has also lost {$190.00} XXXX in revenue as Capital One it's self is going through Covid-19 hardship in 2023. Last year Capital One did the same thing and inaccurately negatively affected my credit even though I spoke to a rep, after going through great measures Capital One admitted to the wrong doings and ultimately removed the late payments.I am not sure if Capital One is unable to see my records of speaking to them because of a data breach but the late payments need to be removed as per their Covid-19 protocol service should be fair across the board if not then it can be viewed as discrimation which is a violation of my customer rights per ECOA Regulation B is currently reporting to all three credit agencies XXXX, XXXX and XXXX both XX/XX/2023 and XX/XX/2023 late payments.
Consumer complaint received 2023-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (NV)

I got XXXX, phone XXXX XXXX XXXX, to install solar panels, they introduced Mosaic, license XXXX. It has passed 8 months and I do not have my solar working, and I have been paying doble, paying XXXX  XXXX, and paying Mosaic, so I get tired of it and suspended any payment to Mosaic, because I am paying for a product which I do not have. XXXX is playing games with me and nevada power. They installed more panels than necessary, and XXXX  XXXX, is not approving it. Also they try for me to lie to XXXX  XXXX to have it approved. Spoke to Mosaic today, and the costumer service said that I have to pay, even if I do not have the product!!! They said my account is delinquent and that I have to fix it with XXXX! Outrageous! XXXX is not doing anything. I have for 8 months now a useless solar panels over my roof and double paying. How can I cancel my account with Mosaic and have the panels removed? Please clarify me about the law and my rights as a consumer. Thank you so much.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

Scammed by meeting someone on XXXX online dating platform for about 4 months. Several wires sent to XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX and principal is held up in XXXX XXXX trading platform and XXXX. 

Bank Transfers : XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX - {$1000.00} on XX/XX/XXXX Wires to XXXX XXXX XXXX : $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX {$33000.00} on XX/XX/XXXX {$75000.00} on XX/XX/XXXX Wires to XXXX, XXXX : $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX {$13000.00} on XX/XX/XXXX $ XXXX on XX/XX/XXXX I've made a local PD report as the person that fake relationship I had with a party provided a fake drivers license to me. I've filed a complaint with the FTC.
Consumer complaint received 2024-03-18
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. (OH)

I have no knowledge of this suspicious activity on my credit report which includes negative items & personal information Credit Companies, Addresses & Names of other people. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (WA)

I provided a legitimate XXXX drop off receipt showing that I returned the 2 items in the order I disputed with Goldman Sachs Apple Card against merchant babylist for order XXXX. Babylist claimed that the items were not returnable but according to their return policy they are for up to 9 months and also I have an email where they CONFIRM processing my return request so it was returnable in fact. My XXXX  drop off receipt I provided shows the items I returned XXXX the prepaid return label they gave me and they weighed 75 pounds. This is for dispute XXXX.
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (GA)

Dear Sir/Madam, This is a follow-up to my complaint against Citibank ( Case # XXXX ). I received a response ( dated XX/XX/2023 ) from Citibank claiming the wire which was initiated through XXXX XXXX on XX/XX/2023 was was sent to XXXX XXXX XXXXXXXX on XX/XX/2023. The letter ( Citi Reference Number : XXXX ) advised that if the money ( XXXX ) has not been credited to the beneficiary ( XXXX XXXX ), to reach out to XXXX using the reference number XXXX. Today ( XX/XX/2023 ) I called XXXX XXXX who confirmed they had not received the money. I also followed up with XXXX who claimed they had not received the money on XX/XX/2023 ( as claimed by Citibank ) or any day thereafter. XXXXXXXX XXXX  XXXX advised that I ask Citibank to provide a proof of payment ( beyond the reference number ). I followed up with Citibank ( Citi Executive Response Team ) on XX/XX/2023 and spoke to a representative who had investigated this case. The representative was courteous and professional, but he said he could not do much more other than advising that I continue following up with XXXX XXXX XXXXXXXX ( the same bank that states they have not received the wire ). Citibank also indicated they are unable to provide any additional proof of payment beyond the reference number. This is certainly unacceptable. I am of the view that Citibank has the ability to reach out to XXXX XXXX XXXXXXXX, with whom they have a professional relationship, to settle this issue and have my money returned to me. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NV)

XX/XX/2023 PayPal I Sent My XXXX  {$190.00} PayPal Charged A Transaction Fee {$5.00} She Only Received {$180.00} XX/XX/2023 PayPal I Sent my XXXX  {$1100.00} PayPal Charged A Tranaction Fee {$35.00} She Only Received {$1100.00} In Both Cases There Is No Transaction! 
There Is No Shipment! 
This Was Simply Money Sent To Family Member! 
Since There Is No Transaction No Shipment No Transaction Fee Is Applicable! 
Consequently No Transaction Fee Should Have Been Charged! 
I Want Both Fees {$5.00} {$35.00} For Total {$40.00} Refunded! Asap! 
These XXXX Fees Should Be Investigated! 
I'm Sure I'm Not The Only Person That Have Been Erroneously Charged These So Called Transaction Fees When In Fact There Was No Transaction! 
Your Assistance Is Greatly Appreciated!
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XX/XX/XXXX I call Trans Union to unfreeze my credit and talk to representative XXXX XXXX. XXXX told me she unfreeze my credit. After the phone call I'm notified by Visa credit card company that Trans Union billed me {$27.00}. XXXX never told me that there was a fee and I never gave XXXX more my new credit card number. Somehow the XXXX and got my credit card number from my credit report with Trans Union and made an authorized charge to it. I called Trans Union today and was transferred around between robot to robot and after an hour I never get a representative on the phone to refund the unauthorized Trans Union {$27.00} charge. 
Please make Trans Union refund the unauthorized {$27.00} charge. 
Please tell me how I can exclude all of my credit information from Trans Union so I never have to deal with them ever again for eternity. Thank you for your help!
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: DISCOVER BANK (MD)

I keep getting calls from multiple credit card companies however, Im only XXXX I never have filed for a credit card and now my score is the low Somebody stole my Social Security, and has been using it racking up credit.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Back in 2008 I purchased a bedroom set with financing for 18 months {$2800.00} through Home Design/ Synchrony Bank . I agreed to automatic billing from my bank account and charged me 18 payments that stated that would pay off my purchase within 18 months. They continued to bill me without me being aware until my account bounced because of these charges. So for almost ten years they have been billing me and Im sure I paid more than double {$2800.00}. They claimed that all I paid was the interest on this account at a rate of 27.99 % which is ridiculously high and I still owe {$1000.00}. I tried to dispute these charges and they would not allow me to. I
Consumer complaint received 2023-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC (CA)

I always track my credit report from XXXX and XXXX through XXXX XXXX  In the last 10 days I have paid off one of my debts in collection. After I had made an initial payment another collection popped up on my XXXX report. I don't have any debts I can recollect from the time frame they posted and the name and the name of the original creditor they give are not names I recognize. The company is McNeil & Meyers. The original creditor is stated as McNeil & Meyers receivables the date of the collection opening is XXXX. I think this must be mistaken identity or something along those lines. Thank you for your time.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in   XXXX   so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
Consumer complaint received 2023-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

In XXXX and XXXX of 2019. The Dept of Education Nelnet reported 90 & 120 days late payments. I was currently attending the XXXX XXXX XXXX XXXXXXXX XXXX. My loans were in deferment. I never had to start making payments. How was my loan reported late?
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602. He states I have the right to privacy 15 USC 1681, section 604 a, Section 2. It also states a consumer reporting agency can only furnish an account with my written instructions. Under 15 USC 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-18
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I am refiling a complaint. My original complaint was closed. 
Reference XXXX I had {$50000.00} dollars stolen from my business account via XXXX wire transfers. Here is a brief summary : XX/XX/XXXX I received a call from XXXX Wells Fargo about " fraudulent '' activity on my account. The person identified them self as XXXX XXXX employee number XXXX. XXXX " scammer '' reviewed about 15 transactions at various locations/vendors in Texas. I confirmed I did not have a transactions matching the described activity. XXXX then confirmed a recent deposit in my personal account shared with my mother. He, XXXX gave an amount and who the deposit was from Social Security. He, XXXX said they had identified the perpetrator as a XXXX XXXX XXXX. He, XXXX asked if I wanted to press charges and I said absolutely yes. He, XXXX said my accounts would be frozen and or closed for pending investigation. 

First wire was sent from my old business account XXXX to XXXX XXXX XXXX in the amount of {$25000.00} Online transfer from my old business account XXXX to my old personal account XXXX in the amount of {$25000.00} Transfer received to my old personal account XXXX in the amount of {$25000.00} XX/XX/XXXX I received another call from XXXX Wells Fargo. The same person identified them self as XXXX XXXX employee number XXXX. He, XXXX said he was calling to give me my new account number. New Account # XXXX. I then said I wanted to call back the number to verify his information. He agreed. I called the same number and reached a Wells Fargo representative who I believe identified herself as XXXX. XXXX asked XXXX for his Soda number (? ) he gave her XXXX. She said she could not verify him. I immediately drove to a Wells Fargo branch to close my accounts and determine what was happening. 

My old personal account XXXX was closed and transfer to my new personal account XXXX XX/XX/XXXX Second wire was sent from my new personal account XXXX to XXXX XXXXXXXX XXXX in the amount of {$25000.00} Wells Fargo has taken the position that the activity was originated from my cell phone which is not accurate. They have not provided and documentation or recordings. There should be a recording on XX/XX/XXXX where I am trying to verify the information. Wells Fargo also allowed the second wire to leave my new personal account XXXX on XX/XX/XXXX after I had notified them and closed the account.