davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (VA)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$570.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$120.00}, XXXX. ( Date Opened XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$480.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$2700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$6600.00}, XXXX XXXX XXXX ( Date Opened : XXXX, XXXX, Balance : {$930.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I have not been contacted by Wells Fargo since their settlement agreement. I believe I qualify as throughout the years I have been charged hundreds of dollars, if not thousands in the span of years for the settlement, in overdraft fees when my savings was used to cover any overdraft.
Consumer complaint received 2022-06-02
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. (NJ)

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 without my written instructions. 

It is not my name on debt. 
I have been living in same address for more than 10 years. Never had those services. 
Never had knowledge of debt until it hit credit reports and lowered points. 

XXXX AND EXPERIAN Lowered score wrongfully.
Consumer complaint received 2022-06-02
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. (NJ)

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 without my written instructions. 

It is not my name on debt. 
I have been living in same address for more than 10 years. Never had those services. 
Never had knowledge of debt until it hit credit reports and lowered points. 

XXXX AND XXXX Lowered score wrongfully.
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I first received notice in mail on XX/XX/2021 from Transworld Systems for a debt that I dispute. 

I mailed a debt validation inquiry to Transworld Systems via certified mail, which was received by Transworld Systems Supervisor, XXXX XXXX on XX/XX/2021. 

To date, Transworld Systems has not provided any debt validation but continues to have a debt account open under my name. 

USPS Certified Mail Tracking Number : XXXX
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions
Consumer complaint received 2022-06-02
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: Radius Global Solutions LLC (NY)

Radius Global is reporting 2 fraudulent accounts on my credit. I didnt open these accounts nor did I utilize them. Someone used my info to open and use these accounts. Please see the attached FTC report and my driver license. please remove these accounts from my credit.
Consumer complaint received 2022-12-29
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. (CA)

I am writing to request that the errors on my credit report be corrected. Despite my previous request, these errors have not yet been removed and have had a negative impact on my credit. As I previously mentioned, I was a victim of identity theft and, according to the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ), you are required to remove any accounts that were opened without my knowledge, consent, or authorization. In addition, according to Section 1681c-2 ( a ) of the FCRA, you must block any information in my file that I have identified as resulting from identity theft. I have provided documentation to support this claim.

Your reporting of incorrect information has significantly affected my ability to obtain credit. It has also been brought to my attention that, under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ), this could be considered an adverse action. Therefore, I request that the following accounts be updated to accurately reflect the correct amount, date, status, open and closed date, last date of activity, and time. If you are unable to correct these errors, please delete the accounts from my credit report immediately. I have included an exhibit of evidence highlighting the inaccuracies in my reports. I ask that you thoroughly investigate the accuracy of all information. 
Name NAME : XXXX XXXX XXXX XXXX Accounts XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NY)

I opened both a Citi priority  checking and Citi savings account online on XXXX XXXX. I was instantly approved and funded the accounts by a direct link to from my XXXX XXXX  account. {$5000.00} was sent to checking and {$10000.00} to savings. The money was accepted and withdrawn by Citibank. I received email confirmation of my accounts opening. On XXXX XXXX I received an email stating my accounts were blocked due to " security reasons to safeguard my information. '' I called citibank and was told I could not have the funds returned electronically. They would be sent via US Mail. The check would be sent by 60 business days. 

I do not understand how they can open accounts and accept money from me and THEN do the security check. I am unable to have access to my own money.
Consumer complaint received 2022-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2019-04-17
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. (FL)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS  XXXX XXXX XXXX ****XXXX {$370.00} XXXX  XXXX  XXXX ****XXXX {$1000.00}
Consumer complaint received 2022-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (ME)

Fed Loan Servicing told me that with my newest XXXX hr a week job, I could get a second qualifying job and that would make me eligible to continue the Public Loan Service Forgiveness program. Today they sent to me a letter claiming my job ( s ) are not eligible, when both are non-profit and eligible companies, and combined also make me eligible.
Consumer complaint received 2022-06-02
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. (AL)

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX  XXXX  XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXXE XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2021-09-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I wrote XXXX  requesting an investigation into items I believed were inaccurate. I also sent a second request. To date, I have not received a reply from them or any acknowledgment that an investigation has begun.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had already closed this account for a long time. I called them and telling them to call it. but I did not realize the account was overdrawn me {$710.00} for no reason then now I couldn't open new account.please help me.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2022 I mobile deposited a check for {$1700.00} into my checking account. The next morning I went to log in to check the deposit and couldn't get into my account. Upon calling Chase, I was told that my account had been closed due to " inactivity '' ( the account was open the day prior when I deposited the check ) .The lady on the phone was able to reopen the account. She said that the check was on hold and the funds would be available XX/XX/XXXX. I logged in the next morning and my account was NEGATIVE {$1700.00} ( the amount of the check ). Upon calling again, I was told that the check was returned but no one knew why. I physically went to the business that issued the check and they took me to their bank to see what was going on. The bank that the check was drawn on said that the check had NOT been returned and hadn't even been presented to them yet. The lady at that bank suggested to put a stop pay on the check and have the business issue me a new check, which is what we did. I called Chase nine more times to find out why my account was negative the amount of the check. I finally spoke with a supervisor who informed me that CHASE had rejected the check the second that I deposited it because the image of the check was not readable ( blurry? ). She suggested that I redeposit it. I told her that a stop pay had been placed on it and that I was issued a new check ( which I did not deposit through Chase ). She adjusted my account back to a XXXX balance, which is what it was prior to this whole debacle. I thought everything was fixed and then I logged into my account yesterday ( XXXX ) and my account is now NEGATIVE {$1700.00} ( the check amount PLUS a {$12.00} returned check fee )! They couldn't read the check and rejected it and now all of a sudden they could read it?? It would be different if they had given me the money, I spent it and then the check was returned but the money NEVER hit my account! My account balance should be XXXX, the same amount as before I deposited this " rejected '' check. Now my paychecks are going to be direct deposited into this account and because it is NEGATIVE almost {$2000.00} all of my money will be sucked up to cover an overdraw that shouldn't be an overdraw! I have called and called and called and emailed and NO ONE can seem to fix this!! I need this fixed now!
Consumer complaint received 2022-06-02
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. (AL)

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  ACCOUNT XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I asked for a permanent credit freeze in XX/XX/2020 with Experian because of identity fraud concerns. After I resolved my concerns, I have sent two certified letters to Experian asking them to remove the permanent credit freeze. I have received acknowledgements they were working on the removal, but when I actually try to work with a lender, the freeze remains. I am attaching my latest certified letter to Experian to confirm I have tried to resolve this matter on my own.
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX Paypal completed a transaction for {$3000.00}. The transaction covered a purchase of an electric bike valued at XXXX. Paypal has repeated denied my claims after the seller in question send me a non-working product. After many back and forths, AND MANY proofs, paypal still denied my claim. I have provided invoices ( proving it was broken ), picture evidence of the seller lying and I even have video evidence. 


The owner did not disclose that the vehicle ( ebike in question ) was damaged internally and needs roughly {$350.00} worth of fixing at the point of sale. I have video proof, inspection proof and the seller blocked me on what we used to communicate. 

It costs more than what it's worth to fix it. This is a total scam, he might have as well sent a piece of metal.
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

On XX/XX/XXXX I purchased on XXXX a room for XXXX nights at the XXXX XXXX in XXXX XXXX, California. The transaction totaled {$470.00}. I arrived on XX/XX/XXXX to a room infested with bed bugs. This was unacceptable and I immediately informed the desk that this was not going to work out because it is unclean and hazardous to my health and I went to XXXX to provide a refund. They did not. 

I then on XX/XX/XXXX filed a dispute with my Card company Chime they have 10 days to investigate the dispute and if more time is needed upon providing a provisional credit have time extended to 45 days. 

It is now XX/XX/XXXX calendar days later and 11 business days later including the a XXXX XXXX holiday. No response of on the investigation is been provided. Also no provisional credit has been added to my account. 

The law on bed bugs in California is ; California Health and Safety Code Section 17920.3 Any building or portion thereof including any dwelling unit, guestroom or suite of rooms, or the premises on which the same is located, in which there exists any of the following listed conditions to an extent that endangers the life, limb, health, property, safety, or welfare of the public or the occupants thereof shall be deemed and hereby is declared to be a substandard building : ( a ) Inadequate sanitation shall include, but not be limited to, the following : Infestation of insects, vermin, or rodents as determined by the health officer. 

General dilapidation or improper maintenance. 

Appendix 2- California Code of Regulations, Title 25, Chapter 1, Subchapter 1 Section 40. Bedding : In every apartment house or hotel, every part of every bed, including the mattress, sheets, blankets, and bedding shall be kept in a clean, dry sanitary condition, free from filth, urine, or other foul matter, and from the XXXX of lice, bedbugs or other insects. The bed linen in a hotel shall be changed before a new guest occupies the bed. In every dwelling unit where linen is furnished, the linen shall be changed before a new guest occupies the dwelling unit. 

25 CCR 40 Bedding. State Housing and Community Development- Bedding Beds in apartments and hotels that supply beds and bedding to renters must ensure that all bedding is clean and free of bedbugs. Linens must be changed before a new occupier occupies the unit. Hotel bedding must be changed before each new guest arrives.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received my consumer reports and noticed that I have XXXX late payment on an account that I've never been late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've never been late on payments for these accounts that I've attached screenshots inside of this complaint and on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to reflect paid as agreed on time as they should be due to the fact I was never late. Please see attached screenshots. 

Thanks!
Consumer complaint received 2022-06-02
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. (AL)

in accordance with the Fair Credit Reporting Act 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 XXXXhas 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 an account without my written instructions
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (GA)

The company is Albert online banking and Ive been locked out of my account.Ive tryed speaking with the customer service representative via Tex and email because they dont have a live agent to talk to.My checks from my employment get deposited in this account and Ive not been able to change my banking password and they have completely stop answering my Tex and email.At this point I dont know who to call and what to do.I feel like this company is a big scam!
Consumer complaint received 2022-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

4 credit cards were used without my authorization.

Syncb/JC Penney total amount used {$600.00}. Transactions in store, XXXX  XX/XX/XXXX New credit card was requested on my name and mail address was changed XXXX XXXX XXXXXXXX XXXX  amount {$1100.00}. 
Transaction was made in XXXX XXXX store at XXXX. New credit card requested and changed address Syncb/XXXX XXXX amount used {$5000.00}. XXXX XXXX XXXX XXXX/XXXX/XXXX Syncb/XXXX XXXX  amount used {$13000.00} on line ( # of transaction XXXX, XXXX and XXXX. ) ,3 transaction were made XX/XX/XXXX of XX/XX/XXXX. Delivery address for furniture XXXX New credit card was requested and address was changed on my behalf. Increase of credit line was requested as well, bank authorized it.
Consumer complaint received 2021-09-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (NC)

The company Upstart will not quit harrassing my wife and I. Every week we recieve six advertisement letters for us to apply for one of their loans. I called them twice and politely ask they remove us from their mailing list, the first lady said " i dont know what to tell you '' and hung up, the second person said they cant remove us from their mailing system. We have no loans with this company, we've never purchased anything from them. They also call my phone everyday asking me to apply for a loan.