davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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. (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 has violated my rights. Or list of inquiries 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 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute on my Experian credit report regarding an account with XXXX XXXX XXXX XXXX account number # XXXX. I have requested that this account be removed from my file. It was recently added to my Experian credit file without me being notified of its existence and therefore I was not able to dispute this article in timely manner. I also requested of Experian to send me any and all information regarding this occurrence such as when its was added to my file, a copy of the notification sent to me to notify me of this action, who authorized this filing and why was I never notified of the filing originally. I have also repeatedly asked Experian to update personal information on my file that is incorrect such as places of employment, places of residences, phone numbers and persons associated with me. I have never received notification of their investigation into my personal information and unless I purchase an upgrade to their company, im not allowed to see this information further. 

thank you for your time and support XXXX XXXX
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hi, Experian Credit Reporting has my date of birth as XX/XX/XXXX that is incorrect. 
My Birth day is XX/XX/XXXX. 

I have placed several disputes with experian and keep getting notified it has been resolved but they still list my date of birth year as XXXX when it should be XXXX. 

I've tried calling and it is impossible to speak to anyone. This has been going on now for several months.
Consumer complaint received 2020-09-15
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: Westlake Services, LLC (CA)

I have been disputing Westlake financial for a cosign on my ex husband 's vehicle from 4 plus years ago and now they have updated my payments on a closed account that has been resolved they got the car back voluntary return and they sold the vehicle at auction in XX/XX/XXXX for XXXX XXXX. They say I owe XXXX which is not true now then doing that XX/XX/XXXX lowered my score XXXX points .. I have disputed this numerous times and it was supposed to be taken care of along time ago
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Wednesday XX/XX/2024 I was applying for a loan for {$2000.00} was sent a text message from the " funding manager '' given a name and number and was told to call and start loan process When I was asked to verify my info through a link the scammer had access to my account and my daughters that I have joint acct with. The guy XXXX informed me that his company XXXX was out of texas and that they had taxes and that they were going to send me the money for taxes along with a barcode to scan at XXXX to basically transfer taxes back out so I wasn't paying the taxes they were. Then it would take XXXX minutes after doing it I'd have my XXXX in the acct. Well ... .he transferred money from my daughters acct to my acct and then took {$750.00} out my acct and {$950.00} out. The bank wells fargo never thought this was suspicious and done nothing no call or anything and then when I called to file a complaint and close my acct they looked into it and basically want to say I gave permission and it was all done by me or someone I have permission to and the bank is refusing to reimburse me and my daughter. I called police department to file a complaint as well. Basically saying I did not give permission to be hacked and scammed out of my money. Now wells fargo still refusing to reimburse.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I own a small business that helps individuals recover funds from scams. Since Friday XX/XX/XXXX, Bank of America has withheld all of my companys revenue under a security block. No one notified me that they were holding my revenue or explained why they are doing so. They have also froze my merchant accounts that would give me access to any of this information. I understand it is against the law for BOA to take this action on my account without notifying me. I called them for hours a day from Tuesday-Friday to try and resolve the issue. My intentions were to speak with a representative from the security department so I can assist them in whatever they need from me to expedite whatever it is that they are investigating. I have independent contractors and bills that need to be paid. My frustration is that I have not received a phone call, email, or any message with information regarding this security block. After countless hours being transferred around to various departments and voicemails, I went in to the bank center where they simply gave me a number to call. I have spoke to one representative in risk management on Thursday   who stated that there looks like there is a security block on your account but that is all I can see on my end. We take tremendous pride in what we do at our company and my fear is that the lack of communication from BOA has now caused irreparable harm to my company.
Consumer complaint received 2019-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit score dropped from XXXX to XXXX and there hasnt been any changes on my credit report for over a year. 

The last negative item was placed on my report 2 years ago for 30 day late. 

I would like to know what changed in their scoring systems for my score to drop 80 points with no changes on my report.
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (WI)

I used Remitly.com to conduct a transfer for a business transaction to pay an invoice for goods/services provided in XXXX XXXX. I entered the information for the recipient including banking information for a direct to account transfer. The transfer was initiated within seconds. Within one hour I received a notice that the there was a delay with the transaction so I called Remitly.com and they explained that the the recipient bank refused the transaction without any real specifics. I asked if it was because the recipient account was a business account. They then told me that indeed they can not accept transactions to business bank accounts. I said fine, cancel the transaction. Again, this was within an hour of the start of the transaction. This is where the problem begins. I then receive multiple texts and emails informing me that the there is an issue with the transaction. I email and text back that I already spoke with someone and that the transaction was cancelled. More texts and emails. ( This continues for three days ). I again inform them that the the transaction should have already been cancelled. In the meantime I notice that the funds have been withdrawn from my account. Granted it's only {$310.00} but the point is that the transaction was cancelled immediately and they were the ones who informed me that the transaction could not be accepted. ( Their website shold clearly state that no transactions can be made to business bank accounts ) The the fourth day I finally receive a notice that the transaction has been cancelled and that they will refund my {$310.00} with the notice that it can take up to 10 business days for the refund to clear. So here is the real complaint. Whey can they take money from account within minutes ( for a transaction that they knew immediately would not go through ), yet they are now allowed to hold ( FLOAT ) my money for 10 business days? This is not fair business practice and it is clear that they are simply holding my funds ( and likely millions of other dollars ) to gain financial interest.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has incorrect information. THIS is not my ACCOUNT. 
ACCOUNT # XXXX XXXX THIS IS A INVALD COLLECTION ACCOUNT REPORTING ON TRANSUNION. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH TRANSUNION AND XXXX. THIS WAS A IDENTITY THEFT CASE FROM 2010. TRANSUNION PLEASE REMOVE THE COLLECTION FROM MY REPORT.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX  has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I was denied the right to have a bank account at XXXX XXXX because the XXXX computer detected some bad issues in my identity with respect to my transactions that I perform and have performed in the past with the bank. I am attempting to have a business online that I operate from my personal computer at home. Right now, it is earning about $ 400/month. I desire or intend that I allow it to grow so that it can potentially earn about $ 95,000/year. But because I have been making so many purchases with my credit cards, I am behind in my payments to my creditors, ( including PayDay Loans ) and so the computer sounded the alert that I was doing something suspicious. I have the ability to repay all of my debts. The problem is that the schedule of the payments that I desire is in conflict with the schedule of payments that those creditors desire, so they sounded the alert to protect their financial interests.My debts are around {$10000.00}, but the amount of money in my 401K, ( which substantiates my net worth ) is around {$290000.00}, and my salary is $ XXXX/year so it's not unreasonable on my part that I can pay it all back.
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC (TN)

I am a victim of identity theft and have worked hard to get inaccurate information from the credit reporting companies that are out there! I requested a report from Certegy and found 1 item that I was sure that was not mine. I asked them to remove it from my file.

They refused. They said it was not a negative entry. First, it was not my check cashing transaction and it was noted, " Not authorized-reason below ''.

" This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Factors may include a combination of the check number, dollar amount, check cashing history or other transaction details. '' I was not the person that presented this check to cash so I requested that it be removed, however each and every time I talked with them they refused.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NJ)

I have an Uber Visa credit card that earns cash rewards. On XX/XX/XXXX, i was notified via email that i redeemed my cash into my XXXX XXXX. I did not initiate this rewards transfer and when i called Uber on XX/XX/XXXX, they mentioned it was two policy changes : 1 ) cash rewards can not be applied as a statement credit and only a credit to the XXXX XXXX, 2 ) rewards will be auto redeemed over {$50.00}. I do not recall being notified of both of these changes. I have this credit card solely for the purpose of cash redemption against my statement charges ( not for the XXXX XXXX  ). I feel tricked into this change, as i would've immediately applied the cash balance to statement credit if i had known of these changes were happening and then would've closed the credit card. 

On XX/XX/XXXX, i spoke with representative XXXX and she mentioned these policy changes took effect in XX/XX/2021. I did not receive any of these notifications.
Consumer complaint received 2019-05-24
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: NAVY FEDERAL CREDIT UNION (VA)

NFCU has NOT responded to complaint submitted a month ago and did NOT resolve complaint when I went to branch in person. Manager XXXX called and left me a voicemail asking me to call her back but she failed to provide a DIRECT phone number. XXXX????? COMPLETELY UNACCEPTABLE CUSTOMER SERVICE!!!!
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I have a Venmo account and a Venmo mastercard I use this as an easy way to get paid of jobs I do as a XXXX on XXXX and XXXX   XXXX. I also use it as a way to collect rent or deposits from current of new roomates whom rent to. I had just received XXXX from a new roomate for rent and deposit and was trying to Venmo the tenant moving out but could not complete Transfer. The next morning I finally get hold of customer service they ask me to take a picture of my id and email it to them. I do this and then get an email saying that I should link my bank account and and do the Transfer somewhere else. Ok weird, then I get an email saying that they have permanently froze my account and are taking my money for up to 6 months with no reason why and that they may after 6 months decide to keep my XXXX dollars. They have not responded to my emails and 5 days later I still do not have access to my money. 

Please Help me
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (MO)

Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX  XXXX  {$1400.00} 2 ) XXXX XXXX {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove immediately.
Consumer complaint received 2019-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1400.00} 2 ) XXXX XXXX {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove immediately.
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

Nationwide Recovery Systems is reporting on my credit bureau a balance due for their client XXXX XXXX XXXX XXXX of {$430.00} for a service rendered date of XXXX. I had insurance during that ER visit, confirmed with the insurance company that the hospital filed a claim. It appears that this collection agency 's client did not submit a claim. My insurance representative spoke with the collection agency and asked for them to provide proof of claim filing and they would be able to rebill. The collection agency was not cooperative as they stated their client did not have insurance info provided to them by the hospital. The collection agency needs to contact their client to provide proof of claim and remove this debt from my credit files until their client processes their claim properly. I will fully insured and am not in a position to pay out of pocket an additional {$430.00} due to a providers billing error.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MI)

Applied and was approved for an XXXX XXXX XXXX  credit card. The APR is based upon your credit score. My current credit score is XXXX. 

XXXX XXXX sent me the card with my credit score listed at XXXX and assigned an APR of 27.24 %. This is a total scam. 

I have cancelled the card, but I hope you investigate this terrible company
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Cash reward Bank of America credit card. I paid off my balance in full the day before my due date. I was charged interest for a {$0.00} balance statement. No where on my statement does it state that there would be an x amount charge additional. In all the statements they should provide an pay off in full option by a certain date to not be charged anything extra.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CITICARDS CBNA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that KOHLS/CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!