davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (NJ)

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 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 2022-10-29
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. (GA)

I have contacted the borough several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 


New XXXX XXXX XXXX  account detected Between XX/XX/2022 and XX/XX/2022, your account with XXXX XXXX XXXX  was added to your report. This account was opened on XX/XX/2022. 

New Credit Inquiry We found a new hard inquiry on your file Between XX/XX/2022 and XX/XX/2022, an inquiry made by XXXX was added to your credit report.
Consumer complaint received 2023-03-07
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. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

XXXX, COMENITY BANK WAYFAIR, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2023-03-07
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. (CA)

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 XXXX # XXXX, Account name : 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 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> I was alerted of not enough funds for an XX/XX/year> auto payment to merchants and I was given a 1 day grace period, the email was sent XX/XX/year> @ XXXX am, I read that email that night and immediately went through my XXXX and vendor accounts searching for funds to pay this, I came up with half but deposited anyway. I woke up this morning to numerous notifications about overdraft fees and everything and was over {$90.00} negative on my account. What good is a 1 day grace period if you don't even tell the customer about it until noon the following day making it less then XXXX hours. I tried and tried to get overdraft protection for my wells Fargo account because I have XXXX  XXXX and get XXXX and don't remember when or where I spent money, wells Fargo said my account does not qualify for said protection but has no problem charging me a high overdraft fee, it is my money that goes into the account and my social security security number that is linked to my credit wells Fargo does not own me and should don't deny protection for the things I own IE the money I deposit. If I want it protected from going negative it should not be a problem to accommodate. Now I'm lost in negatives, failed payments, late fees ect and I can't do anything about it because of the XXXX XXXXXXXX  issues I don't know where it's all coming from while wells Fargo just sits back and collects my 3 overdraft fees per day.. thank you for your time XXXX XXXX
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (GA)

I've recently got divorced and in our divorce agreement my ex-husband was responsible for our credit card that he maxed out when he left. I have repeatedly told the Suntrust collection that he is responsible and gave them his number I can see on my credit where he has been paying it on time every month up till this XXXX and now the collection calls me 4-8 times a day after I have explain the situation gave them his number and have told them do not call me again over this matter.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I signed up for tutoring with XXXX XXXX  I signed up for a few tutoring sessions. They fraudulently overcharged my account by {$1500.00}. I reported this to my bank. Capital one froze my account, informed me that they are getting rid of me as a customer and keeping my money in both my savings account and checking account.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (MD)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I applied for a EIN through a website that i thought was the IRS because of the web address said IRS. Chase did not charge back the merchant for their " services ''. This was a fraudulent charge of {$240.00} to my credit card. The company that charged my card doesnt exist on the CFPB site or the XXXX. XXXX XXXX XXXX  is what the web address was and showed up first in XXXX. I thought this was the IRS and that it cost {$240.00} to get an EIN. Chase did not research or charge back this charge to the merchant as fraud. They didnt offer to shut down my card and get me a new one i had to request they do that since the company is clearly outwardly defrauding people into thinking they are the IRS and filing with them is the way to get your EIN. I want my {$240.00} back from chase and i want them to file it as fraud.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Paramount GR Holdings, LLC (TX)

Sold before our 1st payment on XX/XX/22. 1st home buyer assistance they added to the loan and what we thought was a grant. Then they sold it right away. I've contacted XXXX and told goodleap it was 1sXXXX time home buyer. Said if they over pay XXXX that they would send it back. Like they aren't liable after. I'm sure we got messed over. Need some help if possible. It's like they added gov money into the refi then sold it. Thanks for your time. 

XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I leased a car in XXXX through XXXX XXXX XXXX ; in XXXX XXXX Michigan, For 4 years the lease was up in XXXX of XXXX. 
When I turned the car in, they reported on my credit that I owed money, which was not true. The car had a device on it which shuts the car off if I was a couple days late, I was in an agreement to pay the note every week, so it was no way possible I was able to drive to turn a car in that I allegedly owed a balance on. However I hired a lawyer because they attempted to sue me for a balance I didnt owe. I showed receipts and my lawyers got the case dismissed. They were suppose to just update the account, but instead they deleted the account, so now it looks like I never had a leased vehicle. I want my credit history placed back on my account correctly, i worked hard to pay that car off for 4 years only for this consonant to rob me of that history, I believe this is retaliation.
Consumer complaint received 2023-03-07
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. (FL)

I was incorrectly charged finance fees in addition to multiple late fees ( {$29.00} & {$39.00} ) that kept increasing over a period of a month. I've written to my credit card company since XX/XX/XXXX to rectify this billing error. Since I've written them, they have reported one late payment to my consumer report. This is against the law per U.S. code 1681s-2 which states the responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information prohibition ( 1 ) reporting information with knowledge of errors. Furthermore, reporting an experience or transaction between a consumer and the person making the report is also illegal pursuant to 15 USC 1681a 2 ( a ) ( i )
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I had purchased a XXXX XXXX XXXX XXXX for XXXX $ from Best buy online using the best buy credit card with Citi bank on XX/XX/year> and it says it was delivered on XX/XX/year> but I didn't receive my package I tried contacting Best Buy multiple times and they keep running me around to other people to get my refund. They had me go to XXXX. I opened a case and they closed it and told me to deal with the merchant. I go back to Best Buy and they still tell me they wont be refunding me so I made a dispute on my credit card with Citi bank and they closed it just after best buy provided there side of the tracking number and are running me around to and trying to instantly charge me again for something I didn't receive. Telling me I have to write a letter to them to maybe get it reopened.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am in the process of purchasing a home. My debt to income ratio is significantly high because of these student loan accounts. I reached out to XXXX XXXX XXXX for them to verify the information and nothing has been done and i need to close on my home within XXXX  days. Please help to have them remove ALL STUDENT LOAN ACCOUNTS as this is false & inaccurate information that should not be reporting according to the FRCA.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/20 - I made a purchase at a restaurant for {$200.00} with a tip of {$40.00}. I was charge {$270.00} instead. 
XX/XX/20 - I opened a dispute with Apple card support ( Goldman and Sachs ). 
XX/XX/20 - The dispute was ruled in favor of the merchant ( stating the merchant provided significant evidence proving the charge of {$270.00} was correct ). 
XX/XX/20 - I asked for the evidence that went into the decision to rule in favor of the merchant. Goldman said I would receive an email within 2 days of this evidence. 
XX/XX/20 - I contacted them again because I did not receive an email with evidence. Goldman resubmitted request and said I would receive it in 7 days. 
XX/XX/20 - Still didn't receive evidence so I contacted Goldman 's again. Manager said he would expedite this. 
XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. Said they would send via mail now? 
XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. This time they told me the evidence was submitted by a manager and is on the way. 
XX/XX/20 - Still didn't receive any evidence. The person I contacted seemed like he didn't know about the previous communication I had with Goldmans. 
XX/XX/20 - I called and talked to a manager who said they are sending it via mail. Still don't know why I haven't received it or why they can't send me any sort of tracking number? 
XX/XX/20 - Contacted again and Goldman 's asked me to verify my physical address as they sent it in the mail. I verified it and it matched what they had on record. 
XX/XX/20 - Contacted Goldman 's via phone to talk to a manager again. They couldn't explain to me why the evidence is not coming to me and they couldn't send it to me via email. I had to ask for a manager multiple times. Still waiting for evidence. 

Note ** I can also provide text message conversations from this dispute if needed.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (MD)

I am XXXX  and facing financial hardship. As of today, XX/XX/2023, I have paid a total of {$1100.00} towards my {$510.00} loan. 
I asked to close my account with a final payment of {$50.00} and they would not accept my offer.
Consumer complaint received 2023-03-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-07
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-07
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. (FL)

My name is XXXX XXXX and all information stated below is to be accounted for as my personal statement. 
My identity and personal credit report were used without my knowledge or consent.

The reporting of this information is in violation of the FCDPA 15 USC 1692c 805 ( b ) Which states : " Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector '' My personal credit file is displaying information that is fraudulent and I have attached the Identity theft report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ), Subsection ( b ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

happy day Could you please assist me with my PayPal account? 

I frequently provide hosting services and digital goods through my PayPal account. 
Using the PayPal checkout button on my website, which is linked to my PayPal, I collect payments from customers. 
I also make a daily withdrawal from my account after the transaction. 
I recently received a message from PayPal saying, " You can no longer do business with PayPal ( Ref ID - XXXX ). '' I initially thought this was a system issue. 

I've completed every selling deal I've started, so I have a good track record and no problems. 
In relation to my verified PayPal account, there are no open cases. 
I utilize it professionally so that customers can pay me through the PayPal checkout on my website. 

Please help us to solve this problem. 
Please examine and restore my account as well so that I can continue to use it for business. 
I am prepared to present any relevant proof, including copies of the websites where the money came from and images of my financial activities. 
Help would be appreciated as My Paypal account was essential. 

Hopefully, I can rely on you for this. 

I'm incredibly grateful for it.
Consumer complaint received 2023-03-07
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. 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 # XXXX, Account name : 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 2023-03-07
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: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.