davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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)

To whom it may Concern, I would like to file a complaint against this company. Back in XX/XX/XXXX, my car got repossessed for nonpayment. Which was financial issues. Anyway, I paid them {$4000.00} and that was to cover the months that I have missed and all the other fee 's that I was told that were included. Then in XXXX of XXXX, I was told that I had to pay more fees and this company couldn't justify that. They said that I owed more fees. So looking at my payment history I have made XXXX payments. with a total of {$31000.00} However, looking at my credit report they haven't reported anything to the 3 credit bureaus since XXXX of XXXX. 

I have asked the company why they aren't updating anything and they said you haven't made any payments. I stated yes I have and I have proof. It might not be all of it but 1/2 of it as I am paying for other expenses like medical bills, rent, and so on. So I got really suspicious and started to do my own investigation. 
This is what I paid according to them : XXXX XXXX XXXX XXXX : XXXX ( on XX/XX/XXXX I gave them {$1000.00} ) XXXX  {$650.00} XXXX {$710.00} XXXX skipped XXXX {$650.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$500.00} XXXX {$500.00} XXXX {$600.00} The total for the year {$7000.00} is what they are saying I paid however what I paid to them is {$7600.00} up to this point and I have documentation to prove what I sent them. So each year its {$7800.00} total for the payments on my car. So according to their statements, it's saying late charges of {$280.00} then other charges of {$86.00} which they can't justify what the other charges are for. No one in their department can say that. I want to file a complaint because of the incorrect information on my credit report. If you look at the credit report it states that I owe XXXX when I look at my account it states I owe {$18000.00}. I can't refinance the car because the companies say they blocked me from refinancing the loan. 

I have been lied to and threatened by these people in voicemails. They call and harass you all hours of the day when I tell them I work the XXXX shift I can't talk as I am sleeping most of the day. They said so we will still call. Overall the payments I have made so far is {$31000.00} when I add all my payments up. I just want answers as to why they aren't updating my credit information. Fair is fair and even tho I am making payments you are supposed to report them to all the credit bureaus
Consumer complaint received 2021-10-29
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: WELLS FARGO & COMPANY (TX)

I filed a dispute with Wells Fargo fraudulent charges online online gaming websites now they're saying it's gambling websites. Wells Fargo has not made it easy for me to dispute any of these charges we're talking about hundreds of charges repeatedly charges daily overnight {$300.00} at a time if that doesn't look suspicious to you why wouldn't you call me why wouldn't you text Wells Fargo knows my spending patterns why would they let someone drain my account in two or three days back to back I got a lot going on XXXX has not made anything easier I was even in the hospital for a couple days and what am I supposed to do I made them aware of what when it happened and I tried to call me as soon as possible and they have done everything to deter me we're talking about dispute and XXXX in one another dispute that is not include overdraft fees that they charge me why are they doing this and how can they get away with it cuz I'm nobody
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Improper inquiries that I didn't authorize XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Credit Bureau XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-15
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. (SC)

In accordance with the Fair Credit Reporting Act these accounts presented, 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 an account without my written instructions. 


XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX, XXXX Account XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX, SC Account # XXXX .... 
XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account # XXXX .... 
Account # XXXX .... 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2022-03-28
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-05-15
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 XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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.
Consumer complaint received 2022-05-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX 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.
Consumer complaint received 2022-05-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX 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.
Consumer complaint received 2022-12-16
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$33.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is regarding closed complaint XXXX. The statement given by Bank of America that this check was cashed at XXXX XXXX XXXX is totally untrue. I still have this check in my possession because I could not cash it at XXXX XXXX XXXX because XXXX XXXX 's name was not on the XXXX XXXX XXXX Account. I have informed Bank of America of that untrue statement and also stated at this point I want interest on my Money they have bee holding for over four months. I also informed them defamation of my character is not acceptable.
Consumer complaint received 2022-05-15
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. (TN)

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 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, 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 2022-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXXXXXX XXXX  XXXX Account Number XXXXXXXX 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
Consumer complaint received 2021-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK (GA)

I had a contact with XXXX law firm to consolidate all of my Credit Cards and personal loans to negotiate and settle each account. I deposited over {$11000.00} into a special account that XXXX would use to pay off accounts. XXXX has said they had no affiliation with XXXX. When I received the call from Consolidated-Plus Loans advising me that they would loan me funds to pay the accounts ; however, many accounts had already being settled and paid. There wasn't anything informing me about a 22 % interest rate, fees, or length of loan. The loan paid off is {$27000.00} for 5 years which is more than all the Credit Cards and personal loans combined. How the monthly payments equals the same amount i was depositing {$550.00} in the special acct for XXXX is uncomprehend nor understandable to me. Especially since there only three remaining accounts. Two XXXX XXXX and a chase. The XXXX XXXX accounts totaled {$10000.00} and the XXXX was {$900.00}. I tried to view the accounts I had and the dates of their pay off but all of that information has been deleted. These two companies are working together against honest people attempting to improve the credit worthiness and being taken advantage of. I can not have a 5 years burden on my back paying more the the original cost to pay off all of my accounts. I 'am a retired veteran of 24 years serving this country, 13 months in a foreign country to give companies like these two the right to use their power to pend American down financially under the impression of assisting them.
Consumer complaint received 2022-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

I had booked a flight ticket on XXXX XXXX through American Express Travel portal for both my parents in the amount of {$2600.00} and had to cancel that due to XXXX. I was provided an airline specific credit in the total amount to be used until 2024. 

I'm trying to utilize that credit and book a flight for my parents on XXXX which costs {$1200.00} for both of them. However, American Express Travel is quoting a price of {$2500.00} + a {$150.00} change fee. This is more than double the cost of the ticket and is a simple case of American Express attempting to defraud me. I've contacted Amex Travel and their customer care multiple times and each time, their representatives hang up on me. I've been even put on 2+ hour holds at this time.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

I have made three attempts to close a safe deposit box with this bank. On my first attempt I was advised that all of the bankers were busy and I would have to make an appointment. I advised the person taking down my information I wanted to close a safe deposit box. When I arrived at the branch at the appointed time ( this was my second attempt ) I was advised that due to a recent merger he did not know how to close a safe deposit box and that he would have to spend around an hour on the phone with his support team to walk him through how to close the box. I submitted a complaint to the XXXX XXXX XXXX regarding the poor customer service I had received to this point. A third appointment was made for me on XX/XX/XXXX. When I arrived at the branch on this third attempt I was advised that since I did not have the second key there would be a {$15.00} fee they would have to collect. I offered to pay the fee in cash or with a debit card. I was advised she did not know how to assess the fee in their system. This safe deposit box annual rent is up in XXXX. Based on past media reports regarding some of the tactics that XXXX XXXX has engaged in, I am concerned that this bank may be engaging in dilatory tactics to try to collect another years rent on the safe deposit box.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-05-15
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. (AL)

Multiple unrecognizable inquiries on my account some were even applied for on the same day this list includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other unrecognizable inquiries I have are : 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 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Multiple unrecognizable inquiries on my account some were even applied for on the same day this list includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other unrecognizable inquiries I have are : 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 2021-10-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

XXXX Visa card serviced by comenity charged me twice in the month of XXXX for payments- once for {$810.00} and another time for {$970.00}. I only approved/made the payment for the amount of {$970.00}, the {$810.00} was taken without my permission. 

Since then, its been a mess. They claimed to send a refund check in the amount of the {$970.00} and applied the balance of {$810.00}. I have not gotten a refund check. As a result my personal checking account has overdrafted three times and I still have not gotten a refund check to date ( XX/XX/XXXX ) This month my XXXX statement balance for the card included the amount of {$970.00} in addition to the other things I purchased. After calling they claim I owe both amounts as the because I did technically not pay the XXXX statement of {$970.00}. But this amount was not owed to them, it is owed to me. They claim they have sent out another refund check and that I owe the {$970.00} plus whatever else was charged. Im still waiting on the {$970.00} refund check. 

Something is not adding up and I have reached a road block in communication with them regarding this after several message and a long call. 

Please assist of you can.
Consumer complaint received 2017-09-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Northern Trust Company, The (PA)

I HAVE AN ACCOUNT WITH NORTHERN TRUST CO. BEING FUNDED WITH THOUSANDS OF DOLLARS GOING IN AND COMING OUT OF IT. THE ACCOUNT IT MINE. IT IS ASSOICATE WITH MY SOCIAL SECURITY NUMBER AND I HAVE USED IT 2 SEPARATE TIMES TO PLACE ORDERS ONLINE. NOW, I CAN NOT MAKE AN PURCHASES AND THE NORTHERN TRUST CO. IS TELLING ME THAT I HAVE NO ACCOUNT. I KNOW THE ACCOUNT EXIST BECAUSE I HAVE USED IT PREVIOUSLY. I KNOW THE ACCOUNT IS ASSOCIATED WITH MY SOCIAL BECAUSE I HAVE USED IT TO ACCES THE FUNDS. I WOULD LIKE TO REGAIN ACCESS TO THIS ACCOUNT BECAUSE IT BELONGS TO ME LEGALLY AND I HAVE RIGHTS UNDER THE CONSUMER LAW. IF MY PURCHASES CONTINUE TO NOT GO THROUGHT I WILL CONTINUE MY INVESTIGATION ALONG WITH REPORTS FROM OTHER INDIVIDUALS AND I WILL FILE A SUIT REQUEST 3 TIMES THE AMOUNT OF THE FUNDS THAT WERE REVESERED BE PAID TO MYSELF AND ALL WHO ARE EXPERINCING TH SAME PROBLEM. WHETHER THE ACCOUNT IS BEING FUNDED BY THE FEDERAL RESERVE BANK OF XXXX OR NOT. THE MONEY IS LEGALLY MINE. AND DENYING ME ACCESS TO IT IS ILLEGAL AND ACTION WILL BE TAKEN. I HAVE RIGHTS AND BY THE CONSUMER LAW, I WILL NOT HESITATE.
Consumer complaint received 2022-05-15
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. (MI)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have filed several disputes with XXXX and Transunion about inaccurate information on my accounts and every time the results come back accurate or verified but I am never given any proof. This same inaccuracies were on my XXXX report which was removed. I dont know why XXXX and Transunion can not follow the law and provide proof that the accounts belong to me or show me the proof that the credit validated the information. I will attached the report number and date of my last results. Please remove negative items. This shows how credit bureaus try to systematically keep people of XXXX down. It is a law and they choose not to follow it.
Consumer complaint received 2017-09-13
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. (IL)

My complaint is in regards to the XXXX/XXXX 2017 Equifax breach. I had just learned about the breach on X/X/2017, and evidently Equifax did not notify customers that their personal identifiable information ( SS #, name, address, birthday, etc ) had been compromised as soon as they learned about it. Such negligence could have allowed numerous hackers to commit identity fraud that could have been prevented. They are also defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
In addition to Equifax 's negligence, XXXX, XXXX, and XXXX should NOT be charging customers with potentially leaking information a fee to set up a Security Alert. A police report should not be necessary in situations such as a massive hack. 
Furthermore, they have a responsibility to notify EACH and EVERY individual who was a victim of this hack.