davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

As stated in other complaint XXXX I can not access my Equifax score online, and they are claiming they don't have a file on me, and also providing incorrect information to other companies. 
Since I could not get it online, nor can I get it from XXXX, I sent Equifax a paper request via mail. They sent back a form letter requiring a copy of my driver 's license and social security card, which I had already sent them this year, but I sent them again in XXXX. 
In early XXXX they sent the same form letter back to me requesting the same documents. 
I've sent them legible, valid IDs 3 times this year and they won't respond and they won't send me my credit report and they won't correct the inaccurate info on my report.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX was a colleague of mine that was helping me with my computer, Ipad and phone as of XX/XX/XXXX. He took over my electronics devices and changed the account name and passwords. I had to have a tech specialist reset my computer and passwords. He got access to my account information and passwords. He also stole my Wells Fargo Debit Card, Wells Fargo Credit Card, XXXXXXXX XXXX XXXX and applied for credit on XXXX XXXX. He also applied for a XXXX XXXX with Wells Fargo. He runs a non-profit called XXXX XXXX XXXX. Several Charges were made to this organization. XXXX also charged camera rental gear on XX/XX/XXXX to XXXX XXXX and XXXX on my Wells Fargo Debit Card and did not return the equiptment. 

Wells Fargo : XX/XX/XXXX - XXXX XXXX {$500.00} # XXXX XX/XX/XXXX - XXXX XXXX XXXX {$100.00} XX/XX/XXXX - Online transfer from XXXX XXXX Card {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$.00} XX/XX/XXXX - Online Transfer Visa Signature Card {$1100.00} XX/XX/XXXX - Online Transfer XXXX XXXX Chacking {$250.00} XX/XX/XXXX - ATM Withdrawal {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX - ATM Withdrawl {$600.00} XX/XX/XXXX - XXXX XXXX {$7.00} XX/XX/XXXX - Non WF ATM Withdrawl {$340.00} XX/XX/XXXX - Non Wells XXXX XXXX {$2.00} XX/XX/XXXX - ATM Withdrawl {$100.00} XX/XX/XXXX - XXXX XXXX XXXX {$73.00} XXXX - Online Transfer XXXX XXXX Checking {$280.00} XXXX - Online Transfer From Visa Signature Card {$31.00} XXXX - Online Transfer From XXXX XXXX XXXX {$25.00} XXXX - Online Transfer From XXXX XXXX XXXX {$25.00} XXXX - AXXXX XXXX {$240.00} XXXX XXXX Shargrid {$400.00} XXXX - XXXX  {$6.00} XXXX - ATM Withdrawl {$120.00} XXXX - Account Transfer {$410.00}
Consumer complaint received 2022-08-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (MD)

I have a old debt that was sold to a collection agency apparently. I have been harassed by this company and stopped contact. I submitted a debt validation letter and only received the balance this company is falsely reporting to all credit agencies. There is no validity of when they acquired the account or how they are calculating the amount I owe. I have no record of the repo sale in the document. I do not trust this company.
Consumer complaint received 2023-06-26
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: Resurgent Capital Services L.P. (MO)

I never received a contract with my signature on it and my signature was forged on the certificate they sent me any inconsistencies with all XXXX reports all different amount Lvnv funding claim plus u never agreed to selling my dept to a 3rd party plus my names is not XXXX XXXX. 
I may need to sue for definition of character Too many inconsistencies
Consumer complaint received 2023-10-03
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: ID Analytics, Inc. (GA)

I have previously disputed XXXX XXXX bankruptcy discharged/ Reference # XXXX XXXX  with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2018-05-03
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. (TX)

sent ftc of inaccurate information showing up on credit report XXXX, XXXX, and Experian has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

my information was used to open credit accounts in my name without my consent. Ive been a victim of the XXXX XXXX XXXX which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099, Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship. TransUnion FRAUDULENT Accounts 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 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America allowed a breach of security on my XXXX credit card which lead to fradulent purchases on said card. After I reported the fradulent activities BOA closed out the account and issued a new card. 

I attempted to activate new card and BOA refused to activate said card based on questions they claimed were public records but had absolutely nothing to do with me or shared any relationship with me. I requested BOA to provide the source of where they were obtaining the wrong information so the consumer could correct and not be subjected to there methods and BOA refused to provide the source and refused to activate said credit card. 

I also asked BOA to use other information to provide security clearance to activate said card BOA refused. To date card is not activate. This is so insulting on many levels because the only way someone could have gotten a hold of my credit card number is thur BOA. I never used said card and card has never left my home safe. For BOA to now treat the customer in this matter is unfair deceptive business practice.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

This incident caused year XXXX month of XXXX. previously known as XXXX, and all suddenly Changed to CITIZEN BANK. that the time i became a victum on this fraudulent act. i have been reported to Citizen Bank in many times. they accepted and acknowledged. my local Branch assist me every aspect. and report to fraudulent dept. and other divisions. but nothing has been changed. unfortunately this incident crushed my credit score and that effect my life very badly. I have a XXXX daughters to support their College education. i was trying to refinance my house and assist them for higher education. but unfortunately i am stuck now been a victum of this fraudulent act. 
The amount of {$7400.00} is made up for fraudulent charges that i did not make. i am requesting this charge to be removed. my credit report show that the charges are still impacting my credit.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 delete these illegal accounts from my credit reports as of XX/XX/2023
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b 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 2023-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

In early XXXX, their representative indicated that they would issue a refund check in about six weeks. In early XXXX, I received a billing statement indicating that the available credit was {$620.00} above the credit limit ( the amount of the original loan ). I have not received a reimbursement check as of today. Then today I received another statement, indicating that they had applied a {$50.00} fee, and that I owed them {$20.00} due on XX/XX/XXXX, XXXX XXXX 
When I spoke to Customer Service today, the representative STARTED a refund request. She gave me the case number for follow up.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

1. In XX/XX/2022, the Plaintiff notified XXXX XXXX, and Navy Federal Credit Union about him being a victim of identity theft, he also gave the them a copy of the police report and requested validation of the account. 
2. The Navy Federal Credit Union account is still being reported inaccurately, and incorrectly on my XXXX credit report. Which means Navy Federal Credit Union failed to provide timely and accurate information to me concerning the account in question, according to 12 CFR 1024.38.

3. Navy Federal Credit Union deprived my rights by validating an inaccurate, and incorrect account with XXXX to publish this account on his credit report. 
4. Navy Federal Credit Union also failed to validate the account with the XXXX XXXX XXXX XXXX XXXX. 
5. Once I requested information in writing regarding the account that is published on my XXXX credit report, Navy Federal Credit Union denied the account in question and didnt provide any further information about the account, which they are in violation of 12 CFR 1024.36. 
6. XXXX failed to block the inaccurate Navy Federal Credit Union account resulting from Identity Theft within 4 days.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ok payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-09
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. (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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-10-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

In XXXX XXXX XXXX, we asked for a quote from Lowes for a fence to be put in. The rep showed up, measured, told us the cost. As we were talking through things, he said they offered 12, 18, or 24 months NO interest. We took the 12 month option because it was the lowest monthly payment and then we set up autopay so that we didnt have to worry about missing payments. 12 months later we were slapped with {$2300.00} worth of deferred interest. The best that Lowes and Synchrony can offer is a 30 day grace period to pay off the entire balance to avoid the deferred interest. Our issue is that we were told by the Lowes Rep that it was NO interest. We would have never agreed to deferred interest. Whether intentional or not, his dishonesty and withholding of all relevant and pertinent information is unfair and is penalizing my family greatly.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (TX)

I am writing to express my deep concern and dissatisfaction with the recent handling of my account at JP Morgan Chase, account holder : XXXX XXXX, account number [ Account Number ]. Specifically, I am addressing the following issues : 1. Cashed Check : On XX/XX/2023, I deposited a check in the amount of {$2000.00} into my account. The check was duly cashed, and I have proof of this transaction. However, I have not received the funds in my account due to them stating the original person refuses to verify that the check was made out to me. Despite me having a paper proof and a legal binding document that it was made out to me.

2. Account Closure : I received notice that my account, was closed. I have always maintained my account in good standing, and this closure has caused significant inconvenience. 

I kindly request a thorough investigation into these matters and the immediate resolution of the issues mentioned above. I expect a prompt response within [ Specify a reasonable timeframe, e.g., 14 days ] from the date of this letter. 

I am committed to resolving this matter amicably and trust that JP Morgan Chase will take the necessary steps to rectify the situation promptly. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2023-10-03
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. (WI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is in response to CFPB complaint XXXX. XXXX XXXX XXXX XXXX XXXX responded to my dispute of account XXXX on my credit report stating that they disagree with assertion of incorrect reporting The company stated that they mailed me on XX/XX/XXXX, but I received no such notice. The company also alleges that the account was charged off on XX/XX/XXXX, and the current balance owed is {$420.00}, but I contacted the original creditor, and they could not validate this accusation. Lastly, XXXX XXXX capital never sent proof of their license to collect debt in the state of Texas. I am not liable to pay this company and their claims do not support the information received from the original creditor XXXX XXXX XXXX. Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Remove this account from my credit report immediately XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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. (FL)

My credit card account shows a late payment with Experian on XXXX for XX/XX/2019. This is not accurate and needs to be deleted and showed paid on time. I had previously disputed this with Experian but it was not resolved. I am attaching screenshots from my XXXX credit report that shows all on time payments and no late payment in XX/XX/2019. Since all credit bureaus need to report information correctly and the same, the XX/XX/2019 late payment is in violation of the law and needs to be corrected as soon as possible.
Consumer complaint received 2023-04-20
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. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ballybunion Enterprises, Inc (NC)

I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX  EST I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

I currently have around XXXX XXXXXXXX XXXX on capitalized interest. On XX/XX/2018 I sent to Nelnet {$5300.00} to cover the capitalized interest but apparently they put the money towards other interest because the capitalized ones remained untouched. I did not missed any other interest payments after that day and again, I still have those in my account.