davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (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. 

XXXXXXXX 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 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 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (ID)

To whom it may concern : I am writing to complain about my banks handling of my credit card starting this past XXXX. 
In XXXX of this year, I called my Wells Fargo customer phone number to make a payment and told the representative that I could not afford to make my regular payment due to financial hardship. My main job that brings in most my income drastically reduced my hours/income and I was having trouble and still having trouble paying my bills. This job was affected by the COVID-19 and resulting impact was a major reduction in my income. So the rep on the phone said Wells Fargo had a COVID hardship program and I could defer payment two months in a row. I said yes to the program but a few days later I found out my card declined and I had almost {$12000.00} left of credit available on that card and found out the credit line was reduced to a little over {$8000.00} which left me with only {$100.00} of credit to spend on my card. I was furious when I found this out, as I have been with Wells Fargo for about 30 years and worked my rear off to get a gold standing credit card with a high credit line over the years. So I filed a complaint and I got letters about 5 altogether saying we would forward complaint to their Executive Office. Most the reps that I called on these letters said the same thing, we are looking into the matter, but most would not return my calls. One such rep XXXX XXXX at phone XXXX never returned my call when I left message saying I was furious and needed an expanation why would they do such an inhumane thing to a consumer, especially during this COVID pandemic. On XX/XX/XXXX, I finally got a letter in the mail stating they decreased my creditline from {$2000.00} to {$8600.00}, due to a risk- based decision. This credit card now left me with about {$100.00} to spend on the card. 
I was furious and even tried to elicit the support of a local Wells Fargo branch manager on XX/XX/XXXX, Ms. XXXX, of whom was sympathetic, and said she would file a complaint on my behalf. But still nothing happened and I continued to get letters from Wells Fargo Executive office saying, we are sorry, but we are looking in the matter. 

I am furious at my bank how they handled this and how could they do such a heartless, greedy maneuver when I have been a hard working customer of theirs for 30 years. 
I want mu credit limit returned and think this move by Wells Fargo is disgusting and I would pull out all my business with them, but I have so many automatic debits/ payroll arrangements with them it is very inconvenient for me to do that. Please can you help with this horrible greedy sucking entity of a bank Wells Fargo?
Consumer complaint received 2020-10-02
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. (TX)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

We got a VISA Gift card from a friend/relative issued by Vanilla Gift card company, purchased from a store. The gift card had numbers that were scratched off or illegible on the front of the card and the CVV code at the back was also completely invisible. Looks like this card was a defective card. 
Since the card number itself was partially not readable, we called Vanilla Gift card company to get a replacement card. However, after taking all the information including a 11-digit number on the back of the card, expiry date of the card, my name, address and birth date ( not sure why they needed my birth date ), they assigned a case number and gave an email address and asked me to provide pictures of the front and back of the card ( which was fine ), but also asked for a copy of the receipt. This is where the problem arose. We were trying to use the card after about a month, and didn't even remember who gave that particular gift card, leave alone trying to get a copy of the receipt. 
This is the second time we got a card like this in less than a year. Based on what we have received in the past, we expect this gift card to contain at least {$50.00} and possibly more. 
There are a lot of complaints like this on the web. Looks like this is a pattern employed by Vanilla gift card company where they issue defective cards and state as a policy that they need a copy of the receipt which is not retained or passed along with the gift to the recipient. The net result is the gift card company might be netting a lot of money in unclaimed funds. 
We request CFPB to assist us and many others like me to help resolve this matter with the company and enable us to claim the funds that rightfully belong to us. 
Other details of the case : The 11-diigit number on the back of the card is : XXXX ; The underlined code below the barcode on the back of the card is : XXXX. The case number assigned by Vanilla gift card 's customer support was : XXXX i am not sure if they closed the case without any resolution.
Consumer complaint received 2020-10-02
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. (AZ)

I am a victim of identity theft, Experian is no Stanger to this information. 

I disputed this address ( WHICH IS NOT MY ADDRESS! ) These addresses are a result of fraud. 

Experian is now in violation of the FCRA section 623 Violation : Defamation, willful injury They ( Experian ) refuse to correct information after being provided proof of inaccuracy. 

These SAME ADDRESSES WERE Deleted from XXXX  because they're fraud! 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-12-26
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. (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX XXXX XXXX  that has been ignored.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2020, I sent {$40.00} via PayPal to the email address of a friend in XXXX. She does not have a PayPal account, but I had done it before with another friend and he opened an account. He never told me any details. 
Only ONE bank in XXXX works with PayPal and my friend does not have an account with them and can't open one. Her email said that if she does not take the money, it will be returned to me by XX/XX/2020. 
No money has been returned to me and she has not taken the money. I filed a report with PayPal and they never address what I've actually written. There was no warning to me that I should not send money to someone who does not have an account. 
Out of frustration, I filed another complaint that there was suspicious activity. That confused things, and I regret doing it.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (GA)

I so not have a contract with this company not do I have knowledge of why they are trying to collect from me. If this is a medical debt I have not received written notice of this debt nor have I had the chance to dispute this validity of this debt. Therefore, it should be removed from all 3 credit bureaus where this debt is being reported.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (LA)

We have tried since XX/XX/XXXX to resolve this issue with our present Mortgage Company, PNC Mortgage, as well as reaching out to the previous mortgage company ( XXXX ) and the appraisal company we were given of XXXX XXXX ( now known as XXXX  ). 

We received a mortgage bill that included a line item for " Past Other Fees '' for {$390.00}. There was no separate invoice or letter explaining what this sudden charge was for. We contacted PNC on several occasions to get an explanation and we requested by phone for a separate bill advising us what the charge was for. We were finally advised on a long call with a customer service representative that this was for an appraisal done XX/XX/XXXX for XXXX XXXX ( previous mortgage company ) by XXXX XXXX. No one could tell us why PNC was charging us for this now, after 5 years. No one has let us know whether this was paid, or why PNC is billing us for it 5 years later. We did find out from XXXX that XXXX did order an appraisal when the PME was dropped, but we don't know whether we were notified when this happened ( or billed or should have been ), we still do not know whether XXXX paid XXXX  XXXX or no one was paid, and if we were supposed to pay why we were not officially notified and billed. 

We are submitting a written request for information today to PNC as we are still waiting from our calls in the Spring XXXX to find out who paid who -- or not. 

We are willing to pay this bill, if it is correct and we have all of the information in a letter and or invoice detailing what we are being charged for and who was paid. 

We do not want this to effect our credit, nor our good standing with our loan ; however, we are getting concerned that we have still not received the information we requested in writing from our many phone calls.
Consumer complaint received 2020-10-02
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)

IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX  AND XXXX  HAVE REMOVED THEM. EXPERIAN IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF EXPERIAN IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I AM ONLY LIABLE FOR THIS DEBIT WITH XXXX XXXX CO, AND I DO NOT HAVE A CONTRACT WITH XXXX COLLECTIONS. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT CCS COLLECTIONS ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX COLLECTIONS. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITER TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 a dispute was filed that I never filed. My XXXX XXXX was a XXXX, now I have no credit history. This is terrible since now I have no credit history while Im trying to buy a car. This needs to be fixed, how can my score go from XXXX to nothing. Im still on the card that was disputed I need this fixed now. I need it fixed as soon as possible. My name is XXXX XXXX and I need someone to call me and explain at XXXX.
Consumer complaint received 2020-10-02
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. (NJ)

On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Disputing the inaccuracies of all XXXX bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( 1.A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-08
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. (MD)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I had overseas health insurance ( I am a US citizen and was living in XXXX and they had very comprehensive travel insurance ) which paid in full the XXXX XXXX Emergency Physician, but it did take a bit for the hospital to negotiate with them. I handled the situation with AR Resources ( XXXX XXXX XXXX XXXX ) several years ago. Obviously, from my credit report their fees from 2019 were dropped. Suddenly, out of nowhere, these fees once again popped up but, this time, with a double entry and new minor fee. In fact, the lower fee of {$86.00} never existed. The {$930.00} fee is also a double entry. This is obviously an attempt to get me to pay as the way the entries are logged in they create multiple dings to my credit report.
Consumer complaint received 2023-07-01
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: Eastern Account Systems of Connecticut, Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. As a result, this account should be deleted.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no co
nsumer 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 2020-10-02
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)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX  XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX