davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I would like to bring to your attention that an account on my credit report is incomplete and does not meet the FCRA standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is inaccurate, incomplete and not adhering to compliance standards. According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Experian have on file for me doesn't match what's listed, then there are problems with either Experian records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Experian must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently, and the above account removed. According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. Therefore, this account must me removed from my report. Please note that this account has been in dispute for over four months. Experian responded to the previous disputes with just a statement that the account has been verified without providing the proper documentations to me proving how the account was verified and why the errors on this account has not been fixed. I here by request those documentations for my record.
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

On today, Monday, XX/XX/2023, I have had to spend over XXXX hours on the phone with Synchrony Bank employees to get to the truth of why my account is showing that I owe about {$100.00} more than I have record that I owe. 

This has been a continual pattern during the last XXXX years as a customer with Synchrony Bank/PayPal Credit . 

Last week, I made XXXX calls without success with each representative stating something different. 

However, after many hours I was finally told the truth. 

My account had been recharged {$120.00} due to an " internal error '' made by employees within Synchrony Bank. Synchrony Bank rebilled with {$120.00} without any prior notice in any form of communication with me and evidently the employees did not know. 

The facts of this continual deceptive trade practices and gross billing negligence are as follows : Original charge of {$120.00} on XXXX Provisional Credit of {$120.00} on XXXX Reversal of Provisional Credit of {$120.00} on XXXX Provisional Credit reissued of {$120.00} on XXXX Provisional Credit Re8issed of {$120.00} on XXXX Reversal of Provisional Credit/ Rebilling/ of {$120.00} on XXXX No prior notice, nothing listed on the online account. 

I knew that the balance of {$270.00} was not correct on XX/XX/2023. No plausible explanation given.
Consumer complaint received 2022-02-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (UT)

I called in the National credit adjustment XXXX  t pay off debt and was informed there was another debt under my information from the loan place called XXXX XXXX  XXXX in XX/XX/2015. This is untrue, and I would like this looked into. The account number is given to me on the phone isXXXX and another ACT IDXXXX
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I have reached out to Citi Bank two times in the month of XX/XX/2023 to confirm if I have met all the requirements so that I can earn the promotion of XXXX Advantage miles. One representative confirmed earlier in the month that I have completed and met all requirements and that it will take 30 days for my bonus miles to appear in my XXXX XXXX XXXX account. The second representative who I spoke to today also confirmed that I have completed and met all requirements, however they are telling me that I have to wait 90 days. Please help me! No one at Citi Bank seems to be on the same page with accurate information. On my offer letter ( attached ) it clearly states that after I complete and fulfil all requirements that the bonus miles of XXXX Advantage miles will be deposited in 30 days. As of today it has been more than 30 days and still no bonus miles received.
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I received a job application through my university ( XXXX XXXX University ) email account from a student email. The email pretended to be XXXX with an attached screenshot of what the job entitled ( I have the screenshot of what the job was that was included in the email. I will attach it below ). I took the job thinking it was real since the school let it slip through their security and there wasnt any warnings. The scammers emailed me a check of {$3500.00} and told me to deposit it into my account. When the money was available, they said I needed to go out and buy supplies for orphanages. Then they quickly changed that and said the orphanage did not want any outside help due to the pandemic and asked if I could XXXX the money instead. I Zelled {$3000.00} to one person and they told me to keep the extra {$500.00}. Then they sent me another check and asked me to do the same thing. This time they asked me to XXXX someone {$2000.00} and XXXX someone else {$1000.00}. Unfortunately, I fell for it and then realized it was a scam when they asked me to buy gift cards for them. I immediately cut them off and contacted XXXX and my bank who said they would file a claim. XXXX said there was nothing they could do and said I lost {$2000.00}. My bank ( Wells Fargo ) filed a claim and said it would take 10 days to let me know. 14 days went by and I heard nothing until I called them to ask about an update. Wells Fargo said my claim was denied, yet no one had emailed me or called me to let me know. I lost {$7000.00} that I never even had and no one helped me. My account was at- {$6500.00} for weeks. I have filed multiple claims and I have received nothing and no help.
Consumer complaint received 2022-02-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-21
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019 @ XXXX at XXXX, XXXX, Tx at ATM # XXXX at XXXX XXXX, I tried to withdraw {$XXXX} + {$XXXX}. fee from my prepaid US Treasury given ATM/Debit card. After going through the process, the ATM machine said the ATM had an " internal error '' and could not finish the transaction, but took the {$XXXX} off of my Social Security debit card anyway. 
This happened at Capital One Bank @ XXXX, XXXX, Texas ( XXXX ). 
The man in the bank gave me a number XXXX but they said they could not reimburse or help me because I was not a direct customer of the bank. 

I'm at my witts end. I can not afford a {$XXXX} loss off of my already modest SS payment.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

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 items 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 items 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX BAL.OWNED : {$2000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Dear Federal Trade Commission, I am writing to complain about the corrupt and chaotic management of Wells Fargo Bank, which has led to the bank charging me an unauthorized fee. 

In the past, Wells Fargo has repeatedly leaked my personal information, putting my credit card at risk of being stolen. To protect myself, I requested a new card. 

After receiving my new card, I attempted to make a payment using the same ACH card that had previously been successful. However, the payment failed. I called Wells Fargo, and they told me that it was my fault. 

On XX/XX/XXXX, I made another payment, again using the same ACH card. This time, the payment was successful. 

Despite the fact that I had made two successful payments, Wells Fargo then charged me a late payment fee of {$45.00} on XX/XX/2023. I strongly condemn this predatory behavior. 

I demand that Wells Fargo immediately refund this fee and apologize for their actions. 

I also hope that the authorities will investigate Wells Fargo 's chaotic management and looming bankruptcy. This bank is a danger to the public, and it must be held accountable for its actions. 

Sincerely, XXXX
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am name is XXXX XXXX and this This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (OH)

This is not an inquiry it's a complaint. First, one of Eastern Account System 's employees XXXX XXXX has been unethical concerning a debt collection activity. Eastern Account Systems claims that I owe {$370.00} based on an account that I previously had with Wow cable. I paid Wow cable directly on XX/XX/2022. On this same day, I spoke with XXXX XXXX ( XXXX ) who acknowledged that I had paid the debt and told me to send the paperwork/receipt of payment via Wow and it would be taken care of. She said nothing of extra communication with Wow or anything that would've made me think there was anything else that needed to be done. Today, I call Eastern Account Systems and their epresentatives are still trying to collect a debt that I do not owe? I was told that Wow needed to send the paperwork over and that they had not done that. Well, I spoke with Wow today, they said they have sent the information that is needed. This is all unethical behavior and this account needs to be closed.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX  XXXX XXXX Balance : {$30000.00} XXXX XXXX  XXXX XXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$40000.00} XXXX  XXXX Balance : {$30000.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

According to my rights under 15 USC Code 6802 ( b ) ( 1 ) regarding the obligations of financial institution in disclosing nonpublic personal information to nonaffiliated third parties.

According to the law, you are required to : -Clearly and conspicuously discloses to me in writing or electronic form, that my personal information may be disclosed to an nonaffiliated third party ; -Provide me with the opportunity, before my information is initially disclosed, to opt out of such disclosures : -Account Name : XXXX XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX XXXXExperian Also has incorrect personal information. The correct information is ; Name : XXXX XXXX DOB : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-21
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. (FL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter on XXXX XXXX XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XXXX XXXX  Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX  Bankruptcy Reference # XXXX Asset Amount : {$0.00}
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

I cosigned for my niece, so she could move into an apartment the XXXX school year. I have not been on any of her leases since. XXXX XXXX XXXX, XXXX has been trying to collect a debt invoice from the 2017-2018 lease, I am not on that lease. Further more the amount they are trying to charge is twice as much as stated in the lease, which would invalidate the invoice also. 

I have talked to XXXX XXXX XXXX, XXXX, they have put my case on hold in XX/XX/2018, but have recently ( XX/XX/2018 ) reported the debt to the Credit Bureaus. XXXX XXXX XXXX, XXXX today ( XX/XX/2018 ) says it is their " Right '' to put the debt on my record even though it is " Under Investigation '' with them. 

On XX/XX/XXXX XXXX XXXX XXXX, XXXX said they would send me all documentation they have about me, they never did, and now refuse to give me any further documentation about the debt ( they hung up on me during the phone call this morning ).
Consumer complaint received 2024-02-13
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.