davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ME)

ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX NUMBER XXXX ACCOUNT NAME XXXX  XXXX XXXX XXXX ACCOUNT NUMBER XXXX n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX in person in store by check. The check was deposited a second time by XXXX bank ten days letter and cleared by Bank of America. Filed dispute with BoA and received letter stating " no adjustment is due '' when this was clearly their fault. Even wrote XXXX XXXX XXXX and got no response.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NC)

I have a Barclays MasterCard that I use for balance transfers to manage some debt. I previously had two 0 % promotional offers from there, and all was recently. Recently I made two more balance transfers at a promotional rate of 0 % online. When I received my recent bill though, the past two transfers were at their standard 18 % interest rate. I clearly would never accept these terms. I have other credit card transfers I could use, but chose Barclay because I liked their promotional terms. But they now say there were no promotional terms. Unfortunately I did this all online and have no evidence of these terms. I talked with three people at Barclays, and an online chat. All said the offers were never there, and nobody offered to have moderate the terms or offer anything to me. They accused me of not being honest. But I've managed debt this way for years, and know the ins and outs of these types of deals very well. I'm not wreckless nor in error here. The offers were there and they refuse to honor the terms. 



. However on my last statement, they show up at 18 %. This is totally incorrect ; I used the online promotional transfer option as I had done before. I need for you to correct your system so that I'm not paying a ridiculous interest rate
Consumer complaint received 2023-02-03
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Larsen & Associates, P.L. (NH)

Please accept the attached segments of the 39 page complaint with exhibits. 

This matter requires a substantial investigation. The information provided supports inappropriate activity by a lawyer/collection firm who MAY be a part of a larger scam preying on elderly. 

This also involves a property management company XXXX XXXX who has admittedly partnered with XXXX. These 3 entities have : -Solicited me to auto pay through XXXX XXXX have issues that the automated structure fails, generated penalties and then goes to collections who charges thousands of dollars instead of resolving the problems ( requested numerous times ). 
-After the collector arranges for the XXXX to NOT ACCEPT payments, despite the automation was not functioning, can not accept even manual payments, the collector alleges that no payments can be made to the association as will not be accepted yet does. 
-After the system would not accept payments, I did as advised and generated paper payments and paid months in advance. I then posted payment through the end of year XXXX and further posted annual payments to generate in XXXX for XXXX. 
-The collector apparently has attached my property and potentially blemished my flawless credit, stating that I have not made payments. I HAVE included the statements to prove payments are made in full, NOT paying the alleged late fees and legal fees. 
Both of my XXXX and XXXX attorneys have told me this is a scam. I have provided 9 hours of work TO ORGANIZE these attachments. 

IMPORTANT... There is a statement from XXXX admitting, " the management requested that the properties be blocked and that they were blocked effective XX/XX/XXXX and XXXX. THE PROPERTY WAS ACCEPTING PAYMENTS IS CORRECT, UNTIL THE RESTRICTION WAS PLACED LATE XXXX ''. This in itself quashed the collectors allegation and encumbrance. 

I STRONGLY believe that this is premeditated and structured to take advantage of the citizens of which are mostly elderly. I noticed that the collector handles such enormous money that they are required to be audited frequently. I do not recall where I read this.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-20
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. (NJ)

The inaccurate joint account from XXXX has been removed by Equifax from my husband 's file but is still on mine. Can you please remove. 
Thank you
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

Purchase appeared on card from XXXX on XX/XX/ that I did not make/Authorize Disputed the unauthorized charge on XX/XX/ received a temporary reversal of charges on XX/XX/letter sent to me stating This letter concerns the transaction described below made with card number Date Amount Description XX/XX/ {$39.00} XX/XX/XXXX XXXX TX The merchant provided documentation confirming merchandise was delivered to your home address. It was not nothing was Based on the information available, we have closed our investigation and reversed our credit. 
Sincerely, Customer Service Team contacted customer service and security department making it clear I did not make any authorize any purchase with said company took many phone calls to actually get it re- investigated and was told numerous times that the XX/XX/XXXX have my phone number email and address and they sent documentation that I authorized a payment because they have all my information Citi can not tell me if they showed or have the three digit security code to authorize online purchases they don't have the security code have had to make the XXXX payment to citi to keep my credit in good standing and was told there was nothing they could do and it could take two billing cycles per citibank advertising it is stated that I will not be required to pay unauthorized charges made to my account for any reason
Consumer complaint received 2022-11-08
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: Amsher Collection Services, Inc. (OH)

I sent a certified letter to XXXX and Amsher Collection Service requesting in writing debt validation and requesting XXXX remove the account based of of incorrect reporting. My report on XXXX didnt obtain a status change with the account showing as collection and past due which is illegal. I asked for written verification from Amsher Collection Service and nothing was sent to me within the 30 days allowed. Also Amsher Collection Service is not licesed to operate in the state of Ohio.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (PA)

A international wire transfer from my local bank " XXXX XXXXXXXX XXXX '' to XXXX in the amount of XXXX was returned to Amex on XX/XX/XXXX Amex uses Citi to its international wire transfers. Citi has refused to deposit those funds back into my XXXX XXXXXXXX XXXX Account, despite the many attempts from several individuals at my local bank and corporate offices. 

I need assistance on getting Citi to return those funds. 

Thank you much XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Pa XXXX XXXX
Consumer complaint received 2023-02-06
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. (NC)

I have Fraudulent Inquiries on my credit reports for XXXX XXXX XXXX I have disputed these inquiries multiple times. 

Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Subject : Dispute of Inaccurate Information on XXXX and Clarity Services Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX and Clarity Services consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : XXXX. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
XXXX. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
XXXX. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
XXXX. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
XXXX. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX and Clarity Services violate my rights under the following laws : 11. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
12. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

13. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

14. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

15. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX and Clarity Services. Specifically, I ask that : XXXX. XXXX and Clarity Services provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX and Clarity Services corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX and Clarity Services report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch (AR)

I saw something in collections on XXXX XXXX  in XXXX. I have never received mail, emails or phone calls about any debt. I contacted the collection agency and asked for all records to be emailed to me. I never received them. I have called and requested this information multiple times. I filled a dispute with XXXX XXXX  but amount is still in collections and damaging my credit score.
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I received a letter from NELNET dated XX/XX/2022 informing me the amount of my student loan payment. I don't have an account with NELNET. They have reached out to me using my personal information which leaves me to assume my identity has been stolen and used to open an account with NELNET. I have filed an identity theft report with the Federal Trade Commission.
Consumer complaint received 2021-03-17
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX AUTO FIN on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX AF on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CT)

In XX/XX/XXXX, an automatic payment was processed for the entire credit card balance. I had previously chosen autopay, but for minimum balance due. I called and synchrony could not reverse the payment, so I waited over the weekend and my bank declined the payment. Nonetheless, it caused about {$200.00} in overage charges from my bank and my balance rested negative ( a few thousand ) while being reversed. When I called synchrony this time I was polite, customer service told me to provide documentation of my negative balance via fax in order for them to reverse it. I ended up not needing to do that, as my bank took care of the issue. 
XX/XX/XXXX, the same thing happens. I call and am met with resistance from synchrony customer service. I ask them to figure out a way to reverse this as its the second month in a row. They say there is nothing they can do and its my fault. Im transferred to a manager who also says they cant even credit the interest charge, saying I was never charged anything extra. I believe I was, because I was charged interest again after the payment was reversed and the balance went back onto the card. I asked the manager to put herself in my shoes. At one point I used the f word in a sentence. I did not direct any derogatory language at the manager or any other employees, I was simply frustrated and made a statement such as I can f-ing believe this. The manager became condescending and threatened to end the call if I did not use proper language. I told her to stop and transfer me to someone else because this is a ridiculous situation and I have a right to be frustrated. ( Not to mention we have a right to free speech. I would understand ending the call if I directed anything at an employee, but I did not ). I asked for another manager and she stated multiple times while speaking over me, The second manager will not do anything different, Im just setting your expectations and continued to be condescending. I waited on hold for approximately ten minutes, when the first manager came back on and said she was having trouble with her phone and honestly couldnt connect me to the second manager. Feeling this was a game, I decided to end the call. 
Now its XX/XX/XXXX, and I have harassed with phone calls and letters since. I have decided to take out personal loans to pay my credit cards instead of dealing with synchrony. I open my credit card accounts today to check everything and get ready to pay the main card I had an issue with. Lo and behold, I find out synchrony has closed ALL THREE of my credit cards, even the two that were in good standing and had no issues. 
I cant call synchrony because I will be met with the same resistance as last time. Its like talking to robots and i feel like there is no recourse for how they treated me and for the position they left me in financially.
Consumer complaint received 2023-02-06
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)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

I've been using PayPal to accept payments from my internet business, which I use to supplement my income and save for college expenses. 

On XX/XX/2023, I received a case filed on my PayPal account ( merchant id XXXX ) with the rationale " The buyer stated that they did not make this purchase, '' which I gladly repaid. I then received notification that PayPal is asking an explanation for the aforementioned situation. 

I willingly provided the transaction information, stating that it was supposed to be my client 's payment in exchange for making a business presentation, which was not the case. I then proceeded to refund the money paid to me. Everything was fine until a few minutes after the case was closed and my account was permanently restricted. 

I immediately contacted their help center and stated what happened, but I have received no response so far. 

I believe this was unjust because I did not violate PayPal 's terms of services and have no control over how other people utilize their accounts. Furthermore, the money in my account is for college fees that will begin in the next few days, and I simply want my account back.