davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX,2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2023-05-03
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. (FL)

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. 

XXXX XXXX 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 an 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 2021-05-27
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: WELLS FARGO & COMPANY (MN)

On XX/XX/2021, we purchased XXXX XXXX. On XX/XX/2021, we were locked out of the account, and could no longer access XXXX XXXX. We attempted to reach XXXX XXXX, but were met with a firewall explaining that we have violated the terms of service. 
On XX/XX/2021 we contacted the Wells Fargo XXXX XXXX XXXX customer service, we told them that our XXXX XXXX  account had been suspended. We stated that any charges going forward from XXXX XXXX would be unauthorized by us, as we were not able to access the product that we had purchased. 
On XX/XX/2021, we were charged the {$69.00}, again for XXXX XXXX, but still not able to access the subscription. We made repeated attempts to reach XXXX XXXX to settle the matter. 
On XX/XX/2021, after repeated attempts to reach XXXX XXXX to no avail we contacted Wells Fargo XXXX XXXX XXXX customer service to dispute the unauthorized charge. 
On XX/XX/2021, we were charged again for the service that we have explained twice already, the situation. 
Minutes after I got off the phone with Wells Fargo customer service, they did not reimburse me for charges, but they charged me for the past months. This is concerning because each time I attempt to contact the company I am transferred several times to people where I was made to repeat my address, telephone number, social security number, etc. The last time I contacted them, I was transferred 12 times - each time I had to repeat my personal information. 
I specifically closed my credit card because they were not stopping the unauthorized charges, knowing that my credit score would take a hit. 
We were charged {$69.00} twice after telling Wells Fargo customer service that any charges going forward would be unauthorized. 
I was never sent any confirmation or mail for any of these disputes that I have filed, despite them telling me that I was sent a resolution letter. I asked twice for a copy of the resolution letter, and have still not received it to this day.
Consumer complaint received 2021-05-26
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 — Problem with personal statement of dispute
Company: United PanAm Financial Corp. (CA)

Financed vehicle. Wasnt aware of product defect. Product defected causing damage. Contacted vehicle corporation. Negotiations for several month snd reached out to debtor for assistance several times to receive none. Finally settled to have car damages repaired with vehicle corporation. Dropped it off at corporate dealership. Financed or debort credit report destroyer repossessed vehicle. I couldnt afford to reaqquire vehicle unemployed and debtor was notified of situation never to help but quick to make negative on cr causing hardship and still charging for vehicle which would fall on me if was repaired to previous condition which as schedule the day after repossessed. Debtor finance institution now has responsibility to settle with corporation and settle cost of vehicle. I didnt my part without assistance and settled with XXXX XXXX XXXX XXXX was notified they acted premature causing more hardship taking back assets enjoy and removed from credit. U removed it once and reopened with new account to ruin my score and unfair practice used by companies as an act of retaliation when they know they messed up and are personally offended. A rude tactic to cause hardship to ones livelihood which affect to breadwinners children and are who become victims living inpovershed due to dad credit score...
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have contacted BOTH credit bureaus Equifax and XXXX about a late payment from XXXX listed on my credit report for an account that is NOT MINE, i was just an authorized user. I first contacted both Equifax and XXXX via U.S. mail on XX/XX/XXXX .... I never heard back from either bureau! After contacting them again via mail on XX/XX/XXXX, i have yet to hear from them. It is absolutely mind blowing that two of our biggest credit reporting agencies nationwide, just IGNORE consumers and hurt they're chances at obtaining good credit by reporting erroneous and inaccurate information. Totally unacceptable and irresponsible!
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Experian is reporting a dismissed bankruptcy that I have already sent a FTC report previously and responded with it has been verified, I contacted the bankruptcy court and they stated they dont report to credit bureaus which I attached a letter so I dont know where Experian got this information from. They are in violation of reporting inaccuracies on my consumer report and have caused me damage and personal distress.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ID)

I am submitting this dispute by myself, and I am writing to follow up on the dispute letter I submitted on XX/XX/XXXX. 
I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX IXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY (TN)

American Express is continuing to pull my report without my consent. 
I do not do business with American Express. 
I have never inquired about a card or any service from them, so why do they check my personal consumer report once a month without my consent even though Iv'e asked them to stop?!
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding continues to send me collection letters, call me from random numbers and show on my credit reports but I do not have an agreement to pay them, nor have I entered into a contract with this company. I have repeatedly requested the credit bureaus to remove the inaccurate information as I have never owed and do not now owe Midland Funding! If I have bad debt with another organization, they need to contact me for settlement, not this company. Why would I agree to pay a company I have never entered an agreement with? Allegedly, they are debt buyers and purchase unwanted or written off debt from other companies - THATS THEIR PROBLEM! How can you collect money on behalf of someone else? Excuse me, you didn't pay XXXX 's so I went ahead and paid some of it so now you owe me? NOOOOOOOOO If this does not disappear from my credit report, I will be suing this company!
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was informed that my account was being closed due to third party deposits inside of my account from two different step cousins, the deposits were coming since XXXX hard to believe if there where a problem that they would allow it for so long, on XX/XX/XXXX I received a XXXX hold on my account I then called the bank and they informed me that I had to take my two step cousins and add them to each account, I took one and added him and once I got around to taking the other one due to schedules they said it was no need my account was being closed anyway, I can get the idea but its not fraud if they knew and didnt think they can open a account. Now my money is being held I have no access to move let alone by kids diaper! Ive called numerous of times and have received so much information my head is starting to XXXX! And there still accepting deposits instead of sending them back so I can atleast have some money! My taxes just got sent another big deposit! Was made! And I cant change it because we all know you cant update your direct deposit on taxes once it sent and the other company i called multiple times no answers so my payment was accepted by boa! Im completely shocked at this and hopping something gives!!!!
Consumer complaint received 2021-05-26
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: Kimball, Tirey & St. John LLP (CA)

I received a letter from Kimball , Tirey & St. John LLP sometime in XX/XX/XXXX. I thought it was a scam so I paid no attention to the letter. On Friday XXXX XXXX and notice my credit had dropped drastically. I noticed an account from Kimball , Tirey & St. John LLP that was in collections for the amount of {$11000.00}. I called the credit Bureaus to get more information and they provided me with a phone number to whom is sending me to collections. I called and spoke to the Company above and they mentioned this account is for a rental property located in XXXX XXXX Ca that was leased under my name. The lady mentioned she has a copy of my driver licenses and was very adamant about this account being mine. I advised her this account does not belong to be I have never live in XXXX XXXX Ca. I was born and raised in XXXX XXXX Ca and recently in XXXX I remarried and moved to XXXX  Ca with my husband who owns a house in XXXX  Ca. I have lived here since. I filed a police report with office XXXX XXXX - XXXX ) on XX/XX/XXXX and I'm waiting for a case number. I told the office I wanted to press charges against the person who stole my identity. I provided the officer with a copy of my credit report along with my information. I filed a dispute with Transition on XXXX XXXX, dispute was complete and they said this account belongs to me but that is incorrect this account does not belong to me. Someone stole my identity and used my information to rent this place. Please advice on how to handle this. The las name used hasn't been my last name since my 1st divorce on XX/XX/XXXX, after that I changed my last name to my maiden name being XXXX and I remarried in XX/XX/XXXX and I'am now XXXX. That ID with XXXX last name is in my possession and has a whole on the top corner that the DMV made when I changed my last name. That ID with that last name only one person had a copy of it he is a broker in XXXX XXXX Ca that was helping me get my home at XXXX XXXX XXXX in the year XXXX but I fired him and hire someone else to help me purchase my home. after purchasing my home in XXXX I changed my address to my home address at XXXX XXXX XXXX. Then in XX/XX/XXXX I changed my last name to my maiden name XXXX. Then in XX/XX/XXXX changed my last name to XXXX. Please do some research and find the person liable for this identity theft. Again, I have file a police report and charges against this identity theft. 

thank you
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under IC System Inc. and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX  I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-02-28
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. (GA)

EXPERIAN IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT VERIFICATION WITH ORIGINAL CONTRACT WITH MY WET INK SIGNATURE EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. 
Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. 
IF YOUR COMPANY ATTEMPTS TO CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

Chime bank froze my account which had XXXX $ or close to that number, I have tried calling and emailing their tech support but the scalations from one manager to another seems to never end, I have not receive any updates about my funds, is been almost 6 months of them holding my money and I have received no calls or emails regarding this, it is the worst customer service I ever received from an online banking app. I would like to get my funds ASAP.
Consumer complaint received 2021-05-26
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 (WI)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I had problem obtaining my free credit report from Equifax and reset my Equifax account. Equifax asked me to mail in documents ( copy of driver 's license and 1099 ) to verify my identity. I sent them in via certified mail on XX/XX/2021 and the tracking shows that it was delivered on XX/XX/2021. When I called Equifax about it they said that they never received the documents and told me to send them by fax or mail them in again. I sent an email ( with the photocopy of the certified mail receipt and screen shot of tracking ) complain about this and I got a boiler plate response on XX/XX/2021 saying that my case ( # XXXX ) was important to them and they would get back to me. I haven't heard back from them since. 
I don't understand that why I should send in the documents again and by fax? Who has fax machine nowadays? If a piece of certified mail could be lost by Equifax, sending in another one won't guarantee Equifax will receive it. My personal information is probably all over the dark web for sale. 
Why can't Equifax verify my identity via phone or other means instead of insisting sending in paper documents? Now I can't even access my account for security freeze or even a credit report from Equifax.
Consumer complaint received 2021-05-26
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: Experian Information Solutions Inc. (MD)

My first letter to XXXX, Experian, and XXXX was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX I took {$40.00} out of my Credit Card XXXX, TD Card Services charged me a fee for taking cash out of a TD ATM. Additionally for over a year TD Card Services has refused to fix their system to allow me to make payments inside a TD Bank store which is in direct violation of the TD Credit Card Agreement, subsection 2 of section G which is found on Page 3. I was told by Card Services that any TD ATM would charge me a fee to take money out to which I proceeded to the XXXX TD Bank ATM to take {$20.00} out and was not charged a fee.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (MN)

Attempted to open a binance.us account. After providing them documentation which they said would work, specifically my mortgage information, they asked for more information such as a bank statement. I provided that and heard nothing back for a week. I then submitted a request to close my account as I am concerned about what is happening here. After I submitted that request they sent me back a message saying my account has been setup. I have since then asked in writing 3 times for them to close my account and nothing has happened yet. Customer service is no where to be found.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have sent two personal update letters to Experian requesting that they only report my current address. I asked that anything not listed as current be removed from my file. Experian has not budged on deleting old, inaccurate addresses off my file. I can not receive mail from the United States Post Office at these inaccurate addresses.