davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through XXXX XXXX CREDIT REPORT XXXX XXXX XXXX XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX EXPERIAN CREDIT REPORT XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX CREDIT REPORT XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX Top Inquiries Creditor Name Type of Business Date of inquiry Credit Bureaus XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX Experian XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Finance other than personal XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX  General Clothing Stores XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Banks and XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-07-28
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. (GA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % 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 XXXX
Consumer complaint received 2017-02-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I received a statement XX/XX/XXXX stating total payment due XXXX. I then received a phone call XX/XX/XXXX stating that I owed XXXX.My payment of XXXX showed on the statement. When asked why they are calling stating I still owed XXXX all I got was that 's your unpaid portion. Every time I get a new statement from Wells Fargo Mortgage it shows a different amount owed. My final mortgage payment was supposed to be on XX/XX/XXXX. I received a new statement stating that I still owed XXXX I had asked on several occasions what the additional amount was, also asking for a written detailed explanation. To date all I have received are additional interest penalties. Their statements are very misleading and they are not fourth coming when asked for detailing explanations.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance {$68000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2015-07-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

My ex-wife and I owned a property, with the Mortgage being held by Wells Fargo. We got divorced, and both of us ended up filing for Chapter XXXX bankruptcy and receiving discharges for each of our filings. Each of us surrendered the property as part of our filings. Since the surrender and discharges, Wells Fargo has not retitled the property nor made it available for sale, so my ex-wife and I are still accruing thousands of dollars in HOA fees and fines for a property we no longer own or have access to. While I can understand a small carryover, this has been ongoing for years as XXXX 2013 was the last BK discharge. We are looking to have Wells Fargo actually retitle the property to relieve my ex-wife and I of the additional financial burdens of the property since we do not own it.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My account started getting charged interest within 10 months of being in an introductory 12 month 0 % APR period, reflected in my most recent statement. The offer I responded to to get the card, and the subsequent documentation I received with the card after approval ( their form " XXXX '' ) confirms 12 months 0 % APR. Upon query, their representative attempted to tell me I responded to a 5-6 month 0 % APR, and if not that, then they changed the terms after reviewing my credit, and she offered to send me that documentation. However, my statements do not have any interest charges for 10 months, ( as expected for 0 % for at least 10 months, and do not support her assertion I was on a 5-6 month 0 % ), until the most recent statement that I contacted them about. She continued to assert the falsehood of my offer ( 5-6 months 0 % ) or the other falsehood ( they changed after credit review ) until I got the point across that obviously it is not as she said as I was not charged interest until after 10 months. She ultimately waived my interest for this month but I expect to have the same problem next month. What I am sincerely disappointed by is the assertion of falsehood which is tantamount to a bait and switch scenario, despite the fact I have evidence supporting my 12 month introductory 0 % APR, and the fact that it took over 30 minutes to resolve one issue and my expectation to have to spend another call next month to waive the interested again so that they would have honored their 12 month introductory 0 % APR.
Consumer complaint received 2022-04-22
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

* XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has violated my rights. 

XXXX XXXX XXXX  Account # 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 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 2024-02-20
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. (MD)

I recently had a chance at review of account activity for XXXX XXXX XXXX XXXX which still reads inaccurate nothing was done at fixing lies false bad business practices and disparities. I will continue disputing this matter w/Experian and all other 3rd party affiliates experian credit match. You all are mistaken me with someone else ; who made a recent payment of {$36.00} as of XX/XX/24? Please tell me I'm really interested in knowing how the account remains open because I never had a card for {$5000.00} again the only credit limit I had was for {$3500.00} which was paid off and the account was closed by branch manager. We still going in circles over the same if not worst scenario.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (VA)

I deposited a check from a company I worked for into the account in the amount of {$680.00} on XX/XX/2023 into my Chase Checking Account. Later I tried to XXXX myself some money to my other account in the amount of {$1000.00} on XX/XX/2023 and my account was working until then. It tripped some issue and they wanted to verify the check from the XXXX and locked my account down. I gave them the phone number of that business but they said it wasn't in their " verified '' system. I told them to XXXX the business and call the number they find they said it doesn't work that way. One of the representatives told me they would close the account down in a few weeks and send me a check for the funds not under investigation, but I haven't received any contact for 2 weeks. I called back and they said their account closure may take up to 2 years. How are they holding my money for 2 years? why can't they just resend the money that was received from the check to the account it was received from and release the rest.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (CA)

I wanted to use cash advance and before I did a cash advance I reached out to wells Fargo to make sure I was not going to get charged interest on this transaction and the rep told me that I would only get charged a one time interest on the transaction but instead Im being charged every month Interest around {$62.00}
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK (CA)

On XXXX XXXX XXXX I got a call from XXXX XXXX saying he got my credit card debt information from a government agency that was picking people that qualified for their program. He was very insistant that this was a real program. I listened and I should not have. I did not make any commitments to XXXX. On XX/XX/2023 I got a call from a man claiming to be a lawyer. He gave me an attorney ID of XXXX. I recognized his voice from previous phone calls about debt relief. Then also, on XX/XX/2023 I got a call from a XXXX XXXX claiming to be calling me from my banks fraud dept. She said that XXXX got a letter from Freedom Debt Relief XXXX saying that I had signed up for a debt relief program and that XXXX could not receive anymore of my credit card payments. Then I asked XXXX for the phone number on the supposed letter XXXX got. I called the number and it was the same people I spoke with the day before. I was convinced they were real but did not commit. I spoke to a XXXX at their verification department and when she answered she gave the name XXXX XXXX XXXX. She forwarded me to XXXX XXXX at that same company and he told me I had to authorize {$9600.00} to be charged on my credit card to enter the program. I had my husband get on speaker phone. He told him absolutely not and XXXX said he understood. XXXX said they would destroy all my credit card information that they had. I never signed ANYTHING! Then, last week they called again, this time saying they were from the XXXX XXXX XXXXXXXX and why had I not finished signing up for the program? They were very pushy and verbally abusive when I questioned him. I hug up. Today, I got a call from a XXXX XXXX XXXX XXXXXXXX saying he was from my credit union and that they had received a 609 letter telling the bank I had signed up with a debt relief program. I asked him for the name and phone number on the letter. XXXX XXXX XXXX extension XXXX. It was the same number that called before pretending to be XXXX bank. Both times I called the bank and credit union and nobody made a call to me and they never received a letter. I am a XXXX  and these people need to be stopped! I have blocked their number but impersonating a bank and credit union employees has to be a crime!
Consumer complaint received 2023-07-20
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 ()

To whom it may concern I am Riduan Gulam, from Philippines, I want to complain about a very concerning problem to the payment service Paypal offered at PaypalXXXX

Paypal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that Paypal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to paypal and I believe their claims are false. All disputes related to my account was settled. Paypal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 
Paypal transferred my whole balance and took my hard earned money under the XXXX ID XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather fair compensation. 
I believe paypal acted in bad faith as a payment company, They have failed to offer the promised service. I believed that I was deceived and scammed by Paypal and I want to complain about this corrupt acts done by the payment company PaypalXXXX I have tried to resolve this issue friendly with them many times but they always reply with canned and useless response done by bot. Paypal failed to provide the advertised payment service. 

Looking forward for your reply. 

Thank You
Consumer complaint received 2023-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (NC)

I was given the amount that was to be paid when my XXXX  had the procedure done. I made sure to check/ask ahead of time what the payment would be so that I would know if I could afford it or not. Weeks after the procedure, they decided to send me another bill that was not quoted. I do not owe this. This is the second time this medical practice has tried to charge me for more than they initially quoted.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

Commennity capital doing business as Bread Cashback American Express took almost 9 months to handle the dispute of a purchase while requiring me to make payments and interest charges on {$2800.00}. Now that the dispute has been settled and the amount disputed was refunded they refuse to refund all the interest that was paid on the disputed balance for almost 9 months time period.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, Experian, and XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with Equifax, XXXX, and XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!