davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NV)

My complaint is against WellsFargo Bank in XXXX XXXX XXXX. On or about XX/XX/XXXX I went to an ATM, at XXXX XXXX in XXXX XXXX in XXXX, I couldn't withdraw my money. such money comes from my social security pension. As a XXXX XXXX I depend entirely on that monthly money from my pension. {$370.00} Dollars per month. I called WellsFargo in XXXX XXXX at : XXXX, XXXX also XXXX. At the beggining, the personel at wellsFargo stated that they would mail a new debit card at XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX became ill with XXXX  and could not use my money to pay for the medicine. I have made many, several attempts to reach out to WellsFargo to give me my money. I need them to transfer the money to my XXXX  account, or keep their promise to send me my new WellsFargo CARD, so I can withdraw my money from my social security deposits. PLEASE HELP
Consumer complaint received 2024-02-27
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. (PA)

I've filed numerous reports to the bureau 's about this account not being mine and was a result of identity theft. 

Accounts : XXXX XXXX {$730.00} XXXX XXXX  XXXX {$810.00} The XXXX XXXX XXXX was deleted and put back on my report.
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (TX)

I got a call from a representative from Genesis Card Services on today. Monday, XX/XX/2022, and I am continually getting representatives that are breathing on the voicemail or saying my name continually and then hanging up the phone. I recently received a call on XXXX, XX/XX/2022, at XXXX and the representative did not leave a voicemail. I feel these tactics are Genesis being able to say that an attempt was made to contact me. I found out it was Genesis Card Services after looking up on XXXX and reading the reviews. I dialed the phone number as well and an automated prompt came up for Genesis Card Services. The phone number used is XXXX. 

Genesis FS Card Services and is a subsidiary of XXXX XXXX XXXX XXXX XXXX. 

https : XXXX There must be a representation, OMISSION, or practice that misleads or is likely to mislead the consumer. 
An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead a consumer. Deception is not limited to situations in which a consumer has already been misled. 
Instead, an act or practice may be found to be deceptive if it is likely to mislead consumers ... Omission of information may be deceptive if disclosure of the omitted information is necessary to prevent a consumer from being misled. An individual statement, representation, or omission is not evaluated in isolation to determine if it is misleading, but rather in the context of the entire advertisement, transaction, or course of dealing. 



I find this to be a deceptive act by Genesis FS Card Services because I am unable to know my account standing as of now. Secondly, the representatives have not left a call back number for any debt resolution. The omission of this information has caused me to be unable to decipher or determine what is my best decision after as debt resolution with their company. 

Lastly, I have not been informed of any changes to my credit reporting or any risks I have with the current standing of the account in compliance with : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


XXXX5 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 2022-05-23
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 XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 

By definition The IRS Clearly says a Canceled or Charge is Income. The reporting of this account as a debt is inaccurate. 


In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Congress clearly states if a consumer report ( credit report ) does not INCLUDE TRANSACTIONS or EXPERIENCES between the consumer ( XXXX XXXX ) and the person XXXX XXXX, XXXX ) making the report which makes your reporting of this account inaccurate and ILLEGAL. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or Experiences between the consumer ( XXXX XXXX ) and the person ( XXXX XXXX, XXXX ) making the report ;
Consumer complaint received 2022-05-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-05-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-10-13
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. (WA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-23
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)

ln accordance with the Fair Credit Reporting act. 
The Accounts with XXXX XXXX XXXX ( ACCOUT NUMBER : XXXX ) AND The Account with XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. States : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc. (FL)

account # XXXX I have never been contacted by this company and they are reporting to credit bureaus I received notification from a credit monitoring service that this firm is posting a collection to my credit report in the amount of {$330.00}. I have never been contacted by them prior to this nor have any documentation from them supporting there claim, I had contact Florida XXXX and I don't owe any money to them
Consumer complaint received 2022-05-23
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: Fidelity National Information Services, Inc. (FNIS) (VA)

Fraudulent inquiries on my chex system report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-04-13
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. (TX)

FRCA Violation credit card XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter to the company ( equifax ) requesting several accounts to be verified, updated, or removed from my credit report. These accounts are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts allegedly belonging to me and they refused to inform me of the outcome of their investigation. Furthermore, the company did not update the inaccuracies reporting to my credit file. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/ or removal of these inaccurate accounts.
Consumer complaint received 2022-05-23
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. (IL)

In 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 XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXX1 Dept of ed/ XXXX XXXX Bankruptcy chapter XXXX BAnkruptcy chapter XXXX Bankruptcy chapter XXXX XXXX Bankruptcy chapter XXXX inquiries XXXX XXXX XXXXXX/XX/2022 experian XXXX cred XX/XX/2022 XXXX  XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL (OR)

I have had a XXXX with XXXX XXXX XXXX which can be used anywhere not just XXXX XXXX XXXX Since 2007. 

I have been making my payments, but the minimum payment went up and it is a financial struggle for me. I have called every year asking for a review to get my payment lowered. Each time I Am told there is no lowering of my payment and will not be lowered. I pay {$180.00} month just for a {$5300.00} credit card. I calculate the interest paid over the past 12 years, I have paid at least {$12000.00}. Since the balance is less that, I don't think I am asking for a lot by asking for a lower payment. 

I am XXXX and wanted to retire soon. But with this payment I am struggling. 

I am on hold waiting for a representative now. We will see how long this " Customer Service '' takes. * UPDATE I was just told that '' there is no lowered payment. '' The person who I talked to was a supervisor named XXXX. He was not able to lower the interest or the payment. He did say there is s program that can close the account and make payment arrangements. This would negatively affect my credit so that is not helpful.
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management has continued to call my phone, asking for XXXX XXXX and they have been told countless times that I have had my phone number since XXXX  and no one has had my number for XXXX XXXX. I have been called a liar, received repeated calls, and when asking for the corporate number they tell me only XXXX deals with the calls. I have exhausted all my efforts to try and stop the harassment of this company but everything has failed. You block them, and they call from another number. I have spoken to corporate before about this issue but apparently, they have ignored my requests to stop receiving calls from them. I was assured it would stop but it has not...
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Rent Recovery Solutions (TX)

There is a report on my credit that I don't know anything about. It shows an account from rent recovery solutions opened on XX/XX/XXXX for {$330.00}. I did not open this account and this account have never showed on my credit report until now. I purchase a home on XX/XX/XXXX and have not rent from anybody since. I filed a dispute on XXXX to remove it from my credit and also called the agency to dispute it and remove it from my credit several times. They advice me they cant do anything unless i file this report.
Consumer complaint received 2019-11-23
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: AMERICAN EXPRESS COMPANY (WA)

I applied for an American Express Delta SkyMiles Gold credit card in late XX/XX/2019 which was accepted ans an account was opened in my name. I applied for the card in part because of a welcome offer they had stating that they would apply a statement credit of 50 % up to the amount of {$300.00} for purchases made directly with Delta within the first three months of the opening of the account, when using that card. 

On the XXXX XX/XX/2019, I in good faith, purchased a hotel stay on the XXXX website in the amount of {$690.00}, in the knowledge that I would then see a {$300.00} statement credit applied to my account in due course. 

After nearly 3 months of waiting for the credit to arrive I contacted AMEX early XXXX to ask where the credit was and when it would be applied. I was told at the time of inquiry, that I was eligible for the offer and I should wait a few more days for the credit to arrive. After more probing of their customer service team via their customer service instant chat facility, I was told the next day or so that I had not made a qualifying purchase and therefore not eligible for the offer after all. 

Before making the booking directly on the XXXX website, I had read the terms and conditions of the offer provided carefully to ensure I adhered to every stipulation laid out in the complete terms and conditions provided by AMEX to make sure I would indeed qualify. 

Apparently and unbeknownst to their customers AMEX considers hotel bookings purchased through the XXXX website as a 3rd party transaction. Even though I did not deviate from Deltas website, nor did I know I was purchasing a service from anyone else other than XXXX, I somehow fell foul of a clause that was not stipulated in their legal terms of the offer. The lack of providing this information in their T & Cs is at best, negligent and at worst, fraudulent! 

I wish to receive what is rightfully mine, my {$300.00} statement credit. 

Thank you.
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been in and out of hospitals and rehabilitation facilities for the past 5 years due to a XXXX XXXX XXXX. After reviewing a recent copy of my credit report, I have discovered that someone has used my credit identity without my permission.
Consumer complaint received 2022-05-23
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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