davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
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. (OH)

I have some addresses that are not mines possibly fraudulent I have a EX boyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX XXXX, XXXX, OH XXXX. My current and only address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX in my life. Please remove the following addresses. My Name should appear as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX GREEN XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a unverified account that is not accurate showing on my credit file from a XXXX XXXX # XXXX. this account should be deleted ASAP it is not right.
Consumer complaint received 2019-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CA)

I took a loan out for XXXX and to pay back the interest is an outrageous amount. I called to ask for a solution and he gave me the opportunity to pay back one interest they took out of my back but my bank rejected the amount and that was XXXX interest. I would like to have a fair chance at paying this loan off quickly so I don't get stuck in this whole.
Consumer complaint received 2019-06-17
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. (AZ)

Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Scammed by a fraudulent seller on XXXX today XX/XX/2022 for XXXX. Scammer persuaded me to XXXX send {$500.00} through XXXX app, partnered with Chase. Both Chase and XXXX refuse to refund the money and do not protect their customers against scams!!!!
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OR)

This has been ongoing since XX/XX/XXXX ( four years ) now. I had forgotten about some of the hassles and attempts, but a quick search on my computer refreshed my memory. I had an account with QVC, someone fraudulently purchased items ( sent to Virginia - i live in Oregon ) QVC called to see if i had moved to Virginia. I did not order these items. They corrected it ( see copy of statement from XX/XX/XXXX with the charges and reversal indicated as 'merchandise returned ' - -- - - however, QVC kept harassing me saying i owed them for XXXX XXXX. I kept explaining - re-explaining i never ordered them. they'd say 'oh, yeah. i see that now, so sorry. '' then they would start harassing me again! I closed my account with them in XXXX XXXX. ( see letter indicating it was closed with XXXX  balance due ) about a year later i started getting calls from a collection agency about it. I provided copies of stuff and wrote them about it. they never contacted me again. NOW, a new collection agency " XXXX '' is starting in about it. this was never my debt ... but it just won't go away! I never bought the silly XXXX XXXX speakers and never got received them, but QVC just keeps harassing me it's been YEARS of periodic harassment. I want it to STOP for good.
Consumer complaint received 2015-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (KS)

I have had nothing but problems with Bank of the West. The worst part about it is that there are issues going on some where in the system and they could n't tell me what caused them. I made a name change and added a beneficiary to my account in XXXX. Between my husband and I we have XXXX accounts with them and a year later, in XXXX, we received 16 notices in the mail of name or address changes made to our accounts. We did n't do any changes. After months of research they could n't tell us what happened, It must have been a glitch they said. Another year and a half later I received 15 more cards with the same issue - called the number on the card to address it and they could n't help me, even though that was the number it stated to call if the information was incorrect, had no clue what the issue was, they said they forwarded my concern and my branch would call. That was on a Saturday, by Wednesday I still received no call from my branch.... so I called them. They looked into it and said yes they showed XXXX cards going out for a change on my address - here is the clincher : they only did it for XXXX of my XXXX accounts, AND THEY PUT PERSONAL AND PRIVATE INFORMATION IN THE ADDRESS LINES TO MY HOME!!!!!! The cards were n't in sealed envelopes but printed cards. Then while dealing with this while traveling, I used my debit card the first day and after that they denied my card for fraud hold, called the bank, I should have been called they said - called the fraud department, verified my number and they admitted no attempt was made to contact me, yet my husband was free to use his cards. This bank has no clue what one hand is doing from the other never mind the fact they are in total violation I feel of my privacy rights. Why do they not have control over what is going on in the system, who is touching what accounts and when??
Consumer complaint received 2023-03-31
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)

I was denied a apartment based off of Experian Rent Bureau report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, Experian Rent Bureau reporting this information incorrectly is preventing me from obtaining a safe place to live, Experian is providing this incorrect information to XXXX XXXX XXXX which is preventing me from getting a home.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian, XXXX and XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2019-04-13
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: Experian Information Solutions Inc. (UT)

All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : XXXX - XXXX XXXX XXXX, XXXX   XXXX XXXX Experian - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX,, Not reported XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently sent a letter to TransUnion asking them how they verified an account that is on my report, XXXX XXXX Bank to be exact. The letter was recieved by TransUnion on XX/XX/2019. there was not a postmarked response until XX/XX/2019. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency has 30 days to postmark a response and send the information to me and if it can not be verified within the 30 days is should be deleted. That did not happen ; nor did i send additional information during the process to delay their investigation ; nor did they send the requested information to verify how they verified the information. i had asked whom did they speak with, the address and the telephone number that they contacted to verify the information and i have not received any information. 

Additionally, I received a letter from XXXX XXXX Bank dated XX/XX/2019 and received by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. So AGAIN I ask TransUnion how did you verify/conduct a reasonable investigation the account with XXXX XXXX Bank if you have NO signed documents to substantiate the account?
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Hello, It is stated under the law 15 USC 1681-a ( ( 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 and the person making the report. ) Late payments reported on the XXXX XXXX XXXX XXXX account violate this law. This letter is requesting the removal of all late payments on the following account immediately.
Consumer complaint received 2023-03-24
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. (GA)

I reached out to Equifax via mail to inform them that inquiries were on my credit report that I didn't authorize. They sent me a letter stating that inquiries are factual and will remain on my report for 2 years. I disagree and I would like the following unknown inquiries to be removed from my report immediately XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (MD)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

18 years ago, in 2005 i opened a " High Yield '' IRA with Wells Fargo Bank. Since then i lost track of the account, but have recently found the account information. I was shocked to discover that after 18 years, the account had earned approximately 4 % TOTAL - not 4 % annual yield, but 4 % total or approximately {$80.00} on a {$2000.00} deposit. Is this " High Yield '' in your opinion? While I'm familiar with the concept of predatory lending, i'm not sure what the term for this type of deceptive advertising would be called - referring to an account as " high yield '' but it's far from. How many other consumers has WF duped by this scheme? 

I have attached my statement which states at the top " Retirement High Yield Savings ''
Consumer complaint received 2019-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (TX)

I XXXX XXXX XXXX have received a notice from Credit Protection Association, LP ( CPA ) alleging that I owe them a debt of {$550.00}. I have no knowledge of this company nor accept or acknowledge having or owing them any debt or money. I would ask that they validate this debt with original documents proving my ownership. I have mailed an official response letter to them within the 30 day response window provided by FDCPA law. I have attached a copy of their notice to me and my response to them.
Consumer complaint received 2023-07-17
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. (NH)

I sent the letters off on XX/XX/2023, from the XXXX office here is my receipt number XXXX XXXXXXXX The purpose of the letter was to request the removal of personal information that I neither possess nor desire to have on my credit report due to suspected identity theft and misuse. Initially, I had some hope when a few items were removed, but unfortunately, they reappeared, this time accompanied by a new address where I have never resided. Attached you will find the receipts along with letter and more proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please can you assist me and have them removed. please
Consumer complaint received 2023-07-17
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. (MS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-10
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 (MA)

XXXX - received promotional offer of " XXXX Fun Points '' after first purchase ( which equates to {$200.00} ) AND a {$200.00} statement credit after {$400.00} of purchases made XXXX - Got accepted for credit card XXXX - met both requirements and received the Fun Points XX/XX/23 - recieved statement and the statement credit was not applied XX/XX/23 - called customer service and was told they have no record of that promotion and refused to offer the credit
Consumer complaint received 2018-09-16
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: Experian Information Solutions Inc. (NY)

I was informed that I am a victim of three data breaches since XX/XX/XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on Experian 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. Experian is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and dates in question are : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (IL)

I transferred my balance fro m American Express to   XXXX   XXXX   XXXX  . American Express claimed that they received the close-out 5 days after my payment was due. They charged me an additional {$35.00}. I made the transfer more than 10 days before the du e date.
Consumer complaint received 2023-03-31
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. (NY)

I am concerned about the validity and accuracy of a recent investigation, conducted by XXXX, on an accounts listed below, that is reporting on my credit report. This Account was opened without my knowledge or authorization. After being alerted of this fact, Last month, I requested an investigation because I felt this item was not being reported legally. Shortly after that, I reached out to XXXX, and a representative stated that XXXX 's investigation was complete, and the info/accounts was deemed verified. After presenting them with a up to date FTC report, and other verifying docs to my being a victim of Identity Theft, I was told to try and submit another dispute, presenting the same information. In accordance with the Fair Credit Reporting Act, the accounts listed below, have violated my rights. 15 U.S.C 1681 Section 602 A States that 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 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 2017-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (AL)

Got Loan fr om company on approximately  XXXX / XXXX / XXXX  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / XXXX .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / XXXX  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharking laws, Cal ifornia, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be able to receive the lo an.
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-03-31
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. (NV)

These accounts are reporting late as reported in my 3 Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$300.00}, XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance Owed : {$440.00}