davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

XX/XX/2021 - I ( we ) have ben with Wells Fargo for many years. Up until now they seemed to be good to us, just a bank I guess. Recently I ( we ) sent money to our niece. This wasnt the first time and we have never had a problem using XXXX before. So we sent her {$500.00} I couldnt get ahold of her to confirm if she received it. When I did get a hold of her XX/XX/2021 to confirm she said she did not get it. So I called Wells Fargo and they opened a case. Case XXXX. I was told it looked like it was complete but something was not right, it was pending for some reason. I was told it could take up to 12 days to investigate but should only be a day or so. So I thought I would delete my niece and add her back in, sometimes this works for other stuff. So I did. Still nothing in my nieces account. I called back and was told it might take 12 days. I waited and called back in 12 days XX/XX/2021. I was told the case was closed, the transaction was processed as requested. NO, NO it was not. My niece still did not have the money. The case was reopened and I was told it could take another 12 days. I feel like I was being put off. When I called the lady on the phone treated me like I was doing something wrong and wanted to talk to my husband. Neither one of us was very happy about that. She kept saying the email address the money was sent to was not the email address we could see on our end. She said the money went to a different email address than what we told her, so I took a picture with my cell phone even though my husband read her what we were looking at she kept telling us that is not the address she was seeing, so again we waited another 12 days only to get a letter stating the case was closed again. This isnt right, its not {$25.00} dollars, its {$500.00}. Wells Fargo basically told me to try to get it back myself. I did send an email to the address she said the money went to and requested the money back. I did not get a reply. I knew I wouldn't, but I tried. My niece has since closed her Wells Fargo account. n Once this is all settled, we will do the same.
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Mediation (CA)

Recieved several calls from American Mediation regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including one that would be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.
Consumer complaint received 2021-07-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TX)

The car was totaled back in XX/XX/2020. The Insurance company ( XXXX XXXX ) asked Kia Motors for pay off amount. The amount was paid off just like requested. Kia Claims that I still Owe a XXXX. XXXX XXXX says that they collected that amount already. 

I need that amount to be wiped out and taken away from my credit report. It is affecting my credit score and it shows as a late payment which is not the case at all. 


Attached you will find that KIA is asking me to collect the XXXX deductible XXXX BUT also attached a proof that XXXX XXXX collected that XXXX $ deductible on their behalf ... 

I already paid the XXXX deductible to XXXX, It is not fair to pay the deductible TWICE.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit Reporting act, Equifax, XXXX, XXXX and XXXX XXXX, Account # : XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-29
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. (TX)

I leased a car from XXXX XXXX which was totaled in XX/XX/2020 due to hurricane. The Insurance Company ( XXXX XXXX ) paid off the the pay-off amount that was requested by XXXX XXXX. XXXX kept falsely reporting that my account was still open and that I had a balance of more than XXXX , but it showed no late payments. When I asked XXXX  and XXXX to correct the information so my report would show that account as closed and as paid off as agreed, things took a disastrous turn and they changed to amount to XXXX $ but it also shows that I have been in late payment since XX/XX/2020. My score went down XXXX points in one day because of the WRONG and FALSE adjustment. 

My account should show XXXX balance and should show Paid as agreed, and should NOT show any late payments. And should show that account as closed as well. 

I need this to be corrected so my score bounce back as it should be.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (TX)

I leased a car from XXXX XXXX which was totaled in XX/XX/2020 due to hurricane. The Insurance Company ( XXXX XXXX ) paid off the the pay-off amount that was requested by XXXX XXXX. XXXX kept falsely reporting that my account was still open and that I had a balance of more than XXXX , but it showed no late payments. When I asked Experian and XXXX to correct the information so my report would show that account as closed and as paid off as agreed, things took a disastrous turn and they changed to amount to XXXX $ but it also shows that I have been in late payment since XX/XX/2020. My score went down 96 points in one day because of the WRONG and FALSE adjustment. 

My account should show XXXX balance and should show Paid as agreed, and should NOT show any late payments. And should show that account as closed as well. 

I need this to be corrected so my score bounce back as it should be.
Consumer complaint received 2023-03-31
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. (OH)

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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDUCATION # XXXX ( Same account # 4 times 4 different amounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All have 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 2021-07-28
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: EQUIFAX, INC. (NY)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. See attach
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I received a call from Jefferson Capital Systems on the XXXX of XXXX, 2021. After returning the call and confirming my information ( name and last 4 of social ), they informed me that I have a debt from XXXX  that is around {$1400.00}. I was confused by this and while on the phone I checked my XXXX  accounts and saw everything was in good standing and had no credit card with XXXX. After confirming on my end, I asked to validate the debt. The representative then ask if an address was mine and after they told me, I immediately knew this was in regards to a business account that belong to a corporation that I was no longer apart of. I informed the representative that this was a business account with XXXX but the representative kept telling me that they only see my name and social but no business information. I was even told the email address on file which belongs to the business Im not apart of. I then spoke to a supervisor who told me the same thing before being disconnected ( not sure if the line disconnected or if I was hung up on ). I called back and ask to speak to a supervisor who I explained that this belonged to a business account that is not under my name. I requested that they obtained the information from XXXX but I was told they cant ( or probably refused too, I do not know if they are allowed to contact the company they bought the debt from after the purchase was made ). I asked to do a debt validation but they asked for my address, which I initially refused and was told it would be open but I would need to call back to update the address on file. I called XXXX the moment I hung up and was told I would need to call JCS and speak to them about the debt and they couldnt be of any assistance. I spoke to an attorney who informed me to update the address on file so they could send what they have if they validated the debt before raising further dispute. On the XXXX, I called and spoke to a representative where I updated the address and was told by the representative that they will cease collection and will not report the account. 

Today, XXXX of XXXX, I receive a call from them and after returning the call the representative stated the same thing that I owe the amount as stated above and noted that I did raise a dispute to this. I again disputed it as this account is not a personal account but a business account. On top of that, I have not received any information regarding this debt to the address I provided from the call on the XXXX and that as the debt is under dispute ( or debt validation ) they are not to continue to collect the debt until the debt is verified, which it is clear they have not verified.
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

I opened my account with Citibank. I changed my direct deposit to come to Citibank and 3 days later I got a email stating my account was being closed. I reached out to customer service and they were saying they didnt receive my funds. I called back the next day and thry had me call a consumer report company to get my funds back. 

I called again and was advised to visit a branch. I visited a branch and still was denied my funds. Then told to call the consumer agency again. But told my account will be closed in 3 days from now. And Ill get a check on 30-60 days. Yet still without my funds and unavailable to pay my rent and my attorney fees. This is crazy. I feel played and not helped.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (UT)

There are 2 separate companies that I have not received any type of notice in the mail, email, phone calls, no form of communication whatsoever, yet they have taken a major toll on my credit. I have been working so hard to rebuild my credit after just facing a very challenging XXXX  fiasco over the past 4 years that has led to XXXX XXXX  within this time. These 2 companies keep adding {$1.00} balance increase multiple times a month on all my reports and Ive lost all the progress Ive gained on my credit because of this. I was up to XXXX from XXXX when they started dinging my credit with a {$1.00} balance increase multiple times a month and I lost all my progress. The companies are Bonneville collections out of XXXX, Utah and XXXX XXXX XXXX. It looks like they are both medical which makes it impossible for them to even be legitimate charges because Ive had health insurance/XXXX  for years. These companies have dinged my credit 3 times in XXXX with {$1.00} increases which is absolutely not right considering Ive got nothing from them, absolutely nothing showing I owe these debts. There has to be something that can be done to stop this asinine stunt they are pulling. Im on long term XXXX due to being ill for so long. I cant just throw money away when Im on a very fixed income thats not very much and Im a single mother. Them doing that to my credit is absolutely not fair. Please help me resolve this and get them to stop this behavior so I can finish rebuilding my credit and do something with my life other then sit dormant because my credit is always so low I cant even rent a home for my son and I because thats the position Im in right now. I literally can not get anyone to rent to me because my credit score is so low thanks to them. I have to be out of my current living situation by the XXXX of XXXX and I have no clue what my XXXX XXXX XXXX son and I are going to do at this point in time because I should not be in this situation to begin with. Its not fair. Please help me resolve this. 

Thank you.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

Some time ago, Chase is running a promotional offer : Purchase things from XXXX online or in store and get a 10 % bonus cash back. To take advantage of this Chase offer, I used mt Chase credit card ending in XXXX and purchased one item from XXXX ( transaction posted on XX/XX/2021 ; Reference number : XXXX ; Transaction amount : {$350.00} ). After that, I did not get the 10 % cashback, and Chase suddenly closed my account from their end. I contacted Chase asking for the 10 % cashback, and they told me that they could not give that to me because my credit card had already been closed by Chase. However, in the offer terms & conditions, Chase never mentions that once an account is closed, the 10 % bonus will not be issued.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TN)

I received a letter from XXXX XXXX XXXX on XX/XX/2021 that said I owed a PayPal debt of {$3300.00}. I have never had a balance with PayPal or have owed them money. My credit report does not show this debt. The account number on the letter is XXXX. I do not owe this debt.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union has violated my consumer privacy rights, without my permission it has reported private transactions of which it had no right or permission to do so, they have been notified in the past of these violations, but to date continue to violate my consumer rights.
Consumer complaint received 2021-07-28
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. (NY)

Im sending this proof that the account of XXXX XXXX must be remove because is inaccurate and dont match with any other credit reporting company
Consumer complaint received 2021-07-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX  Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.