davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-11-04
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. (MI)

DELETE XXXX  XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-05-08
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. (GA)

XXXX XXXX XXXX was added to my credit report a guy named XXXX XXXX at XXXX XXXX XXXX said it was from XXXX to XXXX which is not my account I have lived in my current address at those times the date on the report said the account was opened XX/XX/XXXX it is not my account.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have discovered fraudulent hard inquiries on my credit report, which were not authorized by me. I formally request the deletion of the fraudulent hard inquiries from my credit report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been diligently trying to correct inaccuracies on my credit report maintained by TransUnion. My first attempt to rectify the issue was on XX/XX/XXXX, when I sent a certified letter detailing the discrepancies in the data, specifically regarding my date of birth and addresses. Despite the thoroughness of my communication, there was no resolution. Undeterred, I sent another certified letter on XX/XX/XXXX, reiterating the errors and requesting an update. The repeated attempts reflect my commitment to ensuring that my credit report accurately represents my financial history.
Consumer complaint received 2023-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

I called on XX/XX/23 and spoke to XXXX. I told her this is not my account and that I have been a victim of Identity theft. She gave me the address on file. She even asked who was my employer. She would send out a fraud packet. I submitted the information along with my driver 's license and billing forms to show my address on XX/XX/23 then I got a letter in the mail on XX/XX/23 that they concluded that the information was accurate.
Consumer complaint received 2023-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I'm concerned with my employment certification for Public Service Loan Forgiveness ( PSLF ) and eligibility for the XXXX limited waiver. I've spoken to representatives at least 5 different occasions including phone calls and chat options. Each time they've said we have received your new employment certification and it will take up to 90 days for review. After the 90 days passed in XXXX, I noticed on the Mohela website that on XX/XX/2022 they denied my new submission stating it was a duplicate. Not once during those calls with representatives did they say that they had already denied it. I called back in XXXX asking why it was denied when it was clearly not a duplicate application. The lady apologized saying that she would resubmit for processing and again it will take up to 90 days. This will be the 3rd time I've been told another 90 days even though they made the mistake twice now.
Consumer complaint received 2023-01-25
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. (IL)

XXXX XXXX has been reporting late mortgage payments on my credit report since XXXX. When I dispute the account with the 3 major credit bureaus, the debt comes back as valid and they update it and lower my credit score. When I attempt to deal with the actual company reporting the debt, I get no answer from the listed number. When I looked up the company online, it stated that they were out of business. This is not a valid debt and should be deleted from all 3 credit reports
Consumer complaint received 2023-09-27
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. (RI)

say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account soon possible
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

On the XX/XX/2022 at around XXXXXXXX XXXX XXXXXXXX, I went to cash a few checks at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

The total of the checks were around {$1700.00}. However, the teller only gave me {$1400.00}. 

During the transaction, there was a check for {$220.00} that he failed to cash, and he stated that he will try it again. I didn't see anything wrong, and when I was done, I left. When I left, I noticed that the total didn't add up to {$1700.00}, so I contacted the bank. 

I came back, and the manager told me that the check has already been cashed. The manager also said that the check was cashed after I had left. In other words, the teller stole my money. 

Since then, I contacted the bank manager ( XXXX ), but since he was going on vacation, he said he will have his assistant manager call me ( XXXX ). 

It has been over a month, and now they are asking for more proofs. 

What proof is there to be given when they have the security footage? They acknowledge that theft had occurred by one of their tellers.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was hired for a company and I received two checks for work. I put my checks in the bank and was told it was for computer supplies and tools. I have never worked online before and this was my first expericence. I received a call from the actual company and was told there was many wire fraud and money laundry. I went back to the man who recurited me and my money was out of my account. I went to my bank and told them what happend with all the check information and names. The actual company filled me in and told me there was a investigation in progress with the person who has been doing it. I talked to everyone I needed to and sent in multiple copies of evidence. My bank said they will look into it to get my money back because they took all the money out of my account and left with nothing. I was sent back that my request was not approved because I authroized the pay outs and I did not, they stole money from my account.
Consumer complaint received 2023-11-04
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 (NJ)

Venmo has repeatedly denied me an account for fraud. I have no idea why but I have given up on them ; however they still show me as having an account ( albeit frozen because of the fraud - that they can not explain to me ).

I want this closed. 
I dont want to receive quarterly statements and I dont want my name in their system.

It shows as an option for people to pay me.

Which is not an option.

Each time I try to reach them/ submit a complaint online via their portal, I only get an automated email and nothing else!
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Bureau, Inc. (CO)

I was initially contacted by American Credit Bureau on XX/XX/2018. I responded the debt was fully paid to the dental office, erroneous charges should be removed, show why my personal XXXX payments from my XXXX spending account are not included on the billing and to provide license information and if the XXXX XXXX  is licensed to conduct business in Colorado in writing. 

I received a response again on XX/XX/2018 demanding payment from the collection agency and no entity information. Also, again no personal payment info provided on the copy of the billing statement provided. 

Again, on XX/XX/2018 I received a payment demand letter. The billing statement was adjusted for items I requested be removed. And the billing clerk admits that they no longer use the billing management company during the time of my dental service. 

I am requesting the collection agency cease and desist contacting me until the foreign entity information is provided to me in writing and the dental office provide the correct billing to include my XXXX XXXX account statements because the copies of the billing statements are incorrect and incomplete.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (FL)

I received an offer online for a settlement to close my AMEX account. The balance was approximately XXXX and agreed to pay XXXX for settlement. I had the payment scheduled and it was deducted from my account. I even sent an email prior to the payment scheduled day to confirm it was for settlement of my account after the payment was deducted they did not close the account or take it as a settlement. They used it as a regular payment and also took a {$300.00} balance that I had an associated send account and applied it to my balance after review down and payment was taken for {$4000.00}.
Consumer complaint received 2023-08-20
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: SANTANDER HOLDINGS USA, INC. (OH)

Every since my continuous complaints about Santander Consumer USA reporting incorrectly about my account being late with missed payments as accurate and up to date. 

My credit and personal information and all of my personal information has me as a victim on the dark web. The dates of activity with the dark web also coincides with my reports and complaints about Santander Consumer USA. 
I've placed a yearly fraud Alert. Being that I'm unsafe with knowing of this action and the source behind it. I'd like to also request a 7 yr Fraudulent Alert on my credit reports until this entire matter with Santander Consumer USA is completely resolved. I'm also seeking counsel in this matter as I deem it to be retaliation in its worse findings. 
To try and destroy my life credit and otherwise. They should not be in business and this should not be allowed. I'd like to also investigate how many others like myself have fell victim to them and unfortunately not caught it as quick as I did and put the two together. 
Please help me with my 7 year fraud protection on my reports. Thank you.
Consumer complaint received 2023-11-04
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Subject : Notice Of Dispute - XXXX XXXX XXXX To Whom it May Concern, I am writing to express my utmost dissatisfaction and apprehension regarding the handling of the reporting of the account XXXX XXXX XXXXXXXX on my credit report. Upon review, I have identified several clear breaches of the Fair Credit Reporting Act ( FCRA ) in relation to this account, and I am demanding immediate action to address these issues. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account XXXX XXXX XXXX. 
Original Creditor : Clearly state the name and contact information of the original creditor associated with this account. 
Original Open Date : Specify the precise date on which the account XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 
Date Account Was Closed : Indicate the date on which the account XXXX XXXX XXXX was officially closed. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of the reported information. I insist on a prompt response and resolution to rectify this matter. 

Failure to comply with this request within 15 days from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to do so. 

I anticipate a timely response, along with the requested documentation, to be submitted to the CFPB Portal for expedited access. Furthermore, I request that any corrections made to my credit report are promptly reflected.
Consumer complaint received 2023-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Between XXXX XXXX XXXX   through XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by CoinXXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2023-07-18
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. (CA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-11-05
Product: Credit 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 (FL)

My phone was stolen on XX/XX/XXXX and subsequently hacked. I noticed that my accounts with XXXX, XXXX XXXX, and Wells Fargo were all being wiped out, based on my email notifications. I promptly suspended my phone, logged out of all my online banking applications, and changed all of my passwords, including my emails, my XXXX account, and all my bank accounts. 

I filed a claim with XXXX XXXX for an unauthorized withdrawal of {$550.00} through XXXX and another claim with XXXX for an unauthorized transaction through XXXX XXXX, totaling {$170.00}. Fortunately, both of these claims were successfully resolved, and my money was returned. 

Given that my phone was hacked, and my secured accounts were breached, leading to the leakage and depletion of my bank accounts, I filed a police report. However, Wells Fargo has continued to deny my claims even after providing them with the police report and informing them of similar incidents with my other bank accounts. I have ample evidence, including screenshots, a phone bill reflecting the need for a replacement phone, and the fact that {$1200.00} was transferred from my credit card to my checking account, followed by transfers of {$500.00}, {$500.00}, and {$280.00} out of my checking account using XXXX. 

Ive submitted three claims to Wells Fargo, but unfortunately, only a {$60.00} cash advance fee from my credit card to my checking account has been credited. This entire experience has made me seriously consider closing my Wells Fargo account and seeking alternative banking options. Despite multiple calls and efforts to provide evidence, nothing has been resolved to date.
Consumer complaint received 2023-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I think my bank account got scammed and I have talked to my bank about it today. My account XXXX my money to other people that I don't know and I don't know why my money XXXX to others.
Consumer complaint received 2023-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (AR)

Signed up with Skrill. Had no issues for the first week. Next week, visited local XXXX XXXX  store like usual, let the cashier scan my Skrill generated barcode for adding cash, I wanted {$10.00} loaded, there was a {$2.00} fee which brought my total to {$12.00}. I took my receipt after I paid, that was XX/XX/23, & my money still hasnt been put on my account. Ive been emailing Skrill since XX/XX/23, I provided proof, my account showed the transaction as pending. Skrill replied it could take up to 5 business days. Now, theyve stopped communicating with me, & wont let me access the contact support option any longer. {$10.00} may not be a lot to some but Im homeless & needed that for a payment due.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (FL)

Somebody keeps using my name my social security number and date of birth. But not the same address or phone number they keep opening up credit cards on my credit and I've been disputing them and the results are coming back as accurate he's using a XXXX address I've never lived in XXXX. They took out a personal loan for {$8000.00} using my information and using my driver 's license number one digit off. I need to get rid of this XXXX address in my name it is not me
Consumer complaint received 2023-01-24
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: Spring Oaks Capital, LLC (NY)

XXXX XXXX states I have a Debt in the amount of {$3100.00} that I have no knowledge of. I have tried to dispute this prior and the response back from XXXX XXXX is that it was verified as accurate. No one has shown me proof or verification of what this is for. If this is a debt XXXX  or Spring Oaks Capital LLC believes I owe then I must be provided with documentation on what it is, my signature and all applicable documents.