davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NM)

My Mother has XXXX and threw out her credit cards in XXXX XXXX as of the XX/XX/XXXX statement, this USBANK account had a credit balance of {$420.00} on it. I am her son and have power of attorney. I called US bank to close the account and have them send a check for the credit balance. I spoke to them on the phone in XXXX with my mother on the phone and they agreed to send the credit balance and close the account, but by then had assessed {$81.00} in fees for " Non-Payment '' on an account with a positive credit balance, so mailed us a check for only {$340.00}. After this, they did not actually close the account, and continue to assess additional fees. there has been no usage on this account since then. On XX/XX/XXXX I faxed in my power of attorney docs and am attaching fax reciept of the transmission, but they have no record of receiving the POA docs. The current balance on the card is now {$420.00}, with is entirely fees and interest assessed after I notified them that we wanted the account closed and they sent us a check for the credit balance. US Bank wont discuss the account with me and state no record of POA on the account.
Consumer complaint received 2021-09-27
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 (CA)

( XX/XX/XXXX ) Venmo has deactivated my account without giving me a reason and I am unable to withdrawal my funds. 

I received an email from Venmo regarding my account being frozen and steps to comply to reopen it. I did as requested and sent a copy of my ID for verification. When I didnt hear I followed up on the Venmo chat and they requested again for me to upload my ID. We complied again and Venmo said they will need to pass it on to an account specialist.

The next email we received was regarding my account being deactivate and that all funds will be frozen for up to 180 days and that Venmo will no longer be responding to my inquiries. I emailed saying their must have been a mistake and I would like to know what I did wrong and how I could correct it. I got the same response that Venmo will not be able to assist me further.
Consumer complaint received 2021-09-27
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I sent you a letter on XXXX, to this date I still received no response from you. My name is XXXX XXXX SSN # XXXX. I am starting to take this complaint to the next level for your negligence. its like i am begging for errors to be removed from my report when it shouhld not be there in the first place. I am keeping record of everything so I could use them if in case you continue to ignore me. This caused me so much trouble.
Consumer complaint received 2021-09-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent you a letter on XXXX, to this date I still received no response from you. My name is XXXX XXXX SSN # XXXX. I am starting to take this complaint to the next level for your negligence. its like i am begging for errors to be removed from my report when it shouhld not be there in the first place. I am keeping record of everything so I could use them if in case you continue to ignore me. This caused me so much trouble.
Consumer complaint received 2021-09-27
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Regarding my closed account with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Experian continues to report in the account status section that {$10.00}, XXXX was written off. First, this account has been settled. Second, the amount previously owed to the credit union was disputed. The XXXX XXXX has been paid what they were rightfully owed. They have received payment and can not continue to report a tax write off for which they have been paid on my report. Finally, the balance reported section is left blank. It does not reflect a {$0.00} balance.
Consumer complaint received 2023-01-05
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. (NY)

I have a Bankruptcy report on my credit report. I don't have any idea about the Bankruptcy report. That report DOES NOT belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Since XX/XX/2018, I have received repeated calls to my home and work from Midland Credit Management , Inc. concerning a XXXX  Account. I have asked them to provide me with following to support the allege debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority to collect the debt, and a complete accounting / statement of payments with interest, fees. This information has not been received and the repeated calls continue to be excessive and is jeopardizing my employment.
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

Requested payment extension to make my payment, Wells Fargo granted the extensions but they were reported to The three credit Bureaus XXXX, XXXX, XXXX the payments were delinquent even though the payment deferment were requested prior to the payments being delinquent. Wells Fargo customer service gives misleading information, they give you verbal information and later they recant the conversation stating they never provided the information. They are unethical and not consistent or transparent with their conversation with the customer. I received mail stating the deferment has been granted but few days laterI received correspondence by mail they were going to repo the vehicle. Wells Fargo is very unethical. Please remove late charges from the account for the incorrect handling of the account. 

See Attachments
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXXXX {$270.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TN)

XXXX Received a call from Wakefield and Associates attempting to collect a debt that had been paid by me to the 1st party. Said that not paying this bill would adversely affect my credit. I asked for the name of the companies that said I owed and they listed a company I had already paid. I called that company and they said I had a XXXX balance owed and they do not do business with Wakefield and Associates.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (GA)

On XX/XX/24 I mailed a letter to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX. Tracking usps XXXX XXXX XXXX XXXX XXXX XXXX delivered on XX/XX/24. The letter states that there are two outdated accounts that are past 7 years of age which is the Statue of Limitations age and this should be removed from my credit. I sent XXXX XXXX a letter to the address above stating the account numbers and amounts of the debts that needs to be removed due to being out dated but no response and change has been made. I have made a request to the credit bureau but they wont remove the debt because XXXX XXXX refusing.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NV)

Delete those late dates and update the statuses of the accounts mentioned below. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} and XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-09-27
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. (MA)

Equifax continue to violate the FCRA requirements by continuing to report inaccurate address on my credit file. I have never live at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Mass. XXXX. I have provided proof documentation directly from my Massachusetts XXXX XXXX license clearly showing my home address that I have lived at for the pass 25 years. Equifax remove this inaccurate address from my credit report and reinstated without proper notification to me per the FRCA. This is a violation of the FCRA requirements. 

Equifax remove or delete this inaccurate address from my credit file immediately. Please send me a full and complete copy of my credit report showing this inaccurate information removed. I am once again providing proof documentation of my home physical address. Please see attached.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

It is a violation for credit reporting agents to report inaccurate information and I have requested a re-investigation for creditor XXXX XXXX XXXX XXXX but this account is still being reported with incorrect and unverified payment history and account activity dates. This account shows obvious inconsistent incorrect payment history but the reporting agent ( s ) are still reporting inaccurate information after confirmed the account was verify. If the creditor will not verify by sending billing statements, itemize billing and payment history to be accurate and that all account required dates to be correct, please cease this account from my credit reports because of nonfactual unethical reporting.
Consumer complaint received 2021-09-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I have not been able to access my Coinbase account since XX/XX/2021 when I made a deposit of XXXX to buy Bitcoin. I have tried since then to access my account but am being denied access to the account by Coin Bases 's Two-step authenticator, which I installed at Coinbase 's recommendation. Coinbase sends me an invalid message after I give them the code that the authenticator sends me. I ask for help, Coinbase then re-routes me to other links that do not solve the problem, and on and on it goes. I can not reach a real person at Coinbase to help me. I have lost money during the latest peak that Bitcoin hit, because I could not get into my account.
Consumer complaint received 2023-02-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

My loan was moved to Navient years ago. They always encouraged my to defer payments. I tried over the years to get affordable options and they would always say we can just defer it. Now my loan has more than tripled and my payment plan is too high and even if I could afford the payments I would end up paying five times more than what I borrowed by the time I paid it off.
Consumer complaint received 2019-02-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (FL)

Due to financial circumstances I was unable to continue my lease pymts. This was a 36 month lease and I made 24 of those payments. Bmw came to collect the vehicle and hit my credit report with a balance higher than the original lease amount. I only had XXXX in pymts left. The company refused to allow me to turn in the vehicle early since I was 90 days delinquent. This is unfair practices and my credit report should only include the remainder of lease pymts as amount due. They refuse to correct this.
Consumer complaint received 2018-06-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I am behind on my mortgage I wrote to Wells Fargo to ask them to give me a chance to get caught up in return they on XX/XX/XXXX send me foreclosure notice now I have to spend money to save my house and I could of used this to get caught up plus I have to pay them to write the paper up I wrote the letter in XX/XX/XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you regarding the fraudulent accounts that are still appearing on my credit report despite my previous dispute. I am deeply concerned about the accuracy and integrity of my credit history as these erroneous entries are impacting my financial standing and credibility. 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 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a transaction processed for a purchase in the amount of {$1000.00}, which what was agreed upon, after checking the credit card statement later that day I found out the merchant charged {$130.00} on top of the {$1000.00}, total charge was {$1100.00}! 

I called the credit card company " Capital One '' & I explained the entire incident with the merchant, the banker " Capital One employee '' he said will try to resolve this with the merchant, if he refused to reverse the charge then we can not do anything & I have to pay for the charge! 

Well the contract signed up with them when I accepted their card clearly says that the cardholder is protected for those types of fraud charges! Mind you I have been an account holder for this Credit Capital One card for almost 20 years.