davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer My have given written, unwritten, verbal, non-verbal consent. I am opting out.

date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666 - Correction of Billing Errors- 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of 1974
Consumer complaint received 2021-05-18
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 (IL)

I have waited the 180 days policy for Paypal. They are holding my money and not giving me a email to how to release. Paypal closed my account for know reason, i would like to be able to retrieve my funds. I would like them to fox this situation because i reached out past the 180 days.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (TX)

On XX/XX/2024, my checking account showed XXXX debits made to a finance company named XXXX. These were, per my bank, Comerica Bank, made with my debit card number. I filed fraud reports with Comerica Bank and XXXX. I have not heard back from Comerica Bank. XXXX returned the funds for XXXX of the XXXX transactions. Comerica Bank received these funds at XXXX EST on XX/XX/XXXX. 

I emailed XXXX asking when the final debit would be reversed and have not received a response yet. 

The issue that I need help with is that Comerica Bank stated to me that the funds have been in pending status since the XXXX at XXXX and that they have not determined a date by which these funds will be available. 

I would like the funds to be made available today. It is unreasonable to hold the funds as pending for an indeterminate amount of time. 

Thank you very much for your time and consideration. 

Very respectfully, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-01-22
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. (NY)

This would be my XXXX dispute letter to the XXXX ( XXXX ) major credit bureaus because my XXXX  letters were left unanswered and unresolved. I have repeatedly advised them with XXXX  honesty that these reported accounts below were found to be inaccurately reported on my XXXX  files. I want these to be fully eliminated on my record as it greatly affects my ratings, which gives me the inability to file for a new credit line. 
XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX : XXXX Kindly help me resolve this issue.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TN)

I previously had an account with XXXX XXXX. This account shows up on my credit report as paid, with a XXXX balance. The amount paid is also noted. 

Out of the blue, my credit report showed a derogatory hit from a company called Zions Debt Collections. The notations were derogatory to my credit and indicated that I owed XXXX XXXX almost XXXX! I have evidence this is a scam. Others have complained online about the exact same thing. XXXX owed and Zions trying to collect. 

I paid Zions, praying they will remove this, but when you try to call them they dont answer. This company has an XXXX  rating with the XXXX in XXXX. They have complaints with the national XXXX as well. 

Someone should investigate the almost XXXX unresolved complaints against Zions Debt Holdings.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello, my name is XXXX XXXX XXXX XXXX XXXX and I noticed this problem on my credit report in XX/XX/2024. Please remove it from my report as soon as possible. I am a victim of Identity Theft and these accounts are not mine. Please help me and please freeze my report if possible.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is my XXXX 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 following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$3100.00}, CCI ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$560.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$920.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Commercial Services, Inc (OH)

on   XXXX   XXXX   XXXX   a car registered to me was involved in a car accident. I was not driving the car but understand I am liable for damages. I have been given  two  different amounts by this company. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$3200.00}. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$5200.00} which is  XXXX  more on the same debt. I sent a certified letter to this company on   XXXX   XXXX   XXXX   asking for a itemized break down of these costs and did not get a response. I informed this company that I am willing to take care of this debt but we need to come to some agreeable solution. This company has threatened to take my drivers license if this is not resolved
Consumer complaint received 2024-01-23
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. (GA)

My information was sold and bought illegally because I was a victim of the Equifax data breach .I want these items Deleted from my credit reports effective Immediately.I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing please help me delete these illegal accounts from my credit reports and remove all those negative accounts
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (SC)

Within the last 6 weeks, EOS CCA has begun calling me from an Alabama number. However, they are based out of Massachusetts. They are calling me regarding an XXXX XXXX XXXX debt from XXXX XXXX. This debt came off my credit report last year. It is no longer a valid debt. I informed them that the debt is no longer valid. They said it does n't matter because they have an active account in their system for the debt. They also claim that I made a partial payment in XXXX and XXXX. I have asked for proof, but they have not provided it. On the most recent call, I was informed that no payments have been made on this account ever. So which is it? Either I made payments 3 - 4 years ago on the debt or I did n't. I did not. If they 've had this debt in their system since XXXX, why am I just now hearing from them 4 years later? The statute of limitations for this debt in my state is 3 years. The SOL in the state I originally had this debt is also 3 years. The SOL for this debt expired 5 years ago for either state. I have not acknowledged this debt in writing nor have a made a partial payment on this debt. However, the rude customer service representatives tell me they are glad I know the law, but they will continue to call as it is an active account in their system regardless of the law stating they can not collect. This is harassment!
Consumer complaint received 2024-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I logged into my online Chase accounts and discovered that the bank has been charging me {$25.00} fees since XX/XX/XXXX for 2 savings accounts ( which were opened over 10 years ago ) that fell below balance of {$3000.00}. The representative said there were fine print that indicated such fees would be charged should the account balances fall below a certain amount. I was not aware of this and I did not receive any notifications of the charges. As such, my accounts were deducted for a total {$400.00} without my knowledge. Since I called, the bank only reversed 1 fee charge per account but did not reverse any of the prior remaining fees that were charged.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested the method of validation provided by Transunion on the Bankruptcy that is on my credit report. They sent me a credit report instead of a results letter under file # XXXX fated on XX/XX/2018. This judgement is not on XXXX or XXXX  and Transunion seems to be the only one that won't address my issue or provide accurate documentation on how this debt was verified, I want it removed from my report immediate for violation of FCRA. I wrote a letter directly to the creditor as well to provide me on how the method of verification used on this bankruptcy and got no response. Please remove this bankruptcy from my Transunion report.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have contacted Experian, XXXX, & XXXX regarding my personal information. There are many variations of my name & addresses. They have refused to update my personal information as requested despite me showing proof of my current address and my only legal name. I requested that any other variation in my name or be deleted immediately. I also requested that my date of birth and SSN be deleted for privacy reasons after being a victim of identity theft. I have also contacted them and requested that the unauthorized inquiries be deleted that arose from identity theft. They refused to delete the inquiries which resulted from identity theft. Experian, XXXX, & XXXX are in violation of the FCRA by not complying. As a consumer I have a right to privacy. I have contacted them notifying them of the fraudulent activity on my consumer report. These companies have failed me as a consumer and are at this point willfully not complying.

15 U.S. Code 1681- Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 All documents required by law are attached to this complaint.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not belong to me. It is the result of identity theft.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

XXXX multiple fraudulent charges were made on our account- XXXX, XXXX and XXXX toward the XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX additional ATM withdrawals were made in the amounts of XXXX ( same amount for both ) in XXXX XXXX. My husband and I each made IN PERSON transactions with our personal debit cards in XXXX where we live. My husband made an IN PERSON purchase at XXXX and XXXX in XXXX, FL and I made an IN PERSON transaction at XXXX in XXXX XXXX, XXXX. We additional made an XXXXXXXX XXXX purchase that night to be delivered to our home in XXXX XXXX, XXXX. Additionally, my husband was on XXXX XXXX that weekend, Friday through Sunday, in the state of XXXX. These fraudulent charges in XXXX XXXX were also made IN PERSON the same day. From the date we opened this account, we have NEVER made gambling purchases which were the categories under these purchases. We received a text message that night while sleeping that a fraudulent purchase had been made to out account ( XXXX of the XXXX ) purchases. We were sleeping so we did not respond. Chase did not freeze our account, instead they left it open for a criminal to take all of XXXX $ of our hard earned money. This was a brand new debit card that my husband received maybe only a week prior and only used a handful of times. Chase initially reversed charges then reversed the reversal saying because a " chip '' was used that these charges were " legit '' and those are hard to duplicate. Criminals do this for a living and are smart! No idea how this was done but we do not know who did this, we did not authorize this and we absolutely did not make these purchases. Chase 's fraud department did not do their job when it comes to monitoring fraudulent charges on our account and freezing our account if one is suspected. Additionally, they did not do their job with their investigation. This is sickening. A criminal is allowed to steal our money because they were smart and recreated a debit card with a chip. Chase has a legal obligation to abide by their standards of customer care and refund our money due to fraud. Do their jobs and investigate this properly. 100 % we did not do these purchases and 100 % should be refunded our hard earned money. Do what is right, Chase.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

What I thought was a moving company, turned out to be a moving broker. I paid them an {$800.00} online deposit on XX/XX/year>, and canceled my order the same day. I've since reported the company to the XXXX and the XXXX XXXX. They responded to the XXXX  that they would reimburse me and send me a refund check. This was almost XXXX weeks ago. I have still not received my refund check from the company XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. 

I asked for a refund in the XXXX cooling off period. I'm also a senior citizen and can not afford to lose {$800.00}, as I am on Social Security. 

I contacted my bank, Chase and they informed me that since I authorized the check I had to reach out to the company. I contacted Chase again once the check cleared and was told that they couldn't help me.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

The bank claims there are charges to my account on XX/XX/2021, yet these charges ( unauthorized ) do not show on my statement, or transaction history. After calling the bank on XX/XX/2021 to lift the hold placed after disputing the charges that are not shown, I was unable to make purchases with the card. If they were not unable to lift the hold, it should have been said, instead of having my attempt purchases declined.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NV)

XXXX Chase tax form 1099 -G indicating my husband, XXXX XXXX XXXX who is deceased ) made a loan from Chase Bank XXXX XX/XX/XXXX in the amount of {$7600.00}. 
XXXX HAS BEEN DECEASED SINCE XX/XX/XXXX.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!