davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint not only for the third ( XXXX ) time against XXXX XXXX XXXX, but also against ALL THREE ( XXXX ) major Credit Reporting Agencies XXXX XXXX XXXX, and Experian for not only violating my rights as a consumer, and for also reporting false and inaccurate information on my consumer report. In accordance with the Fair Credit Reporting Act, EVERYTHING has to be 100 % accurate. After carefully reviewing my latest consumer report, I not only found several violations, but I also see that XXXX is continuing to report inaccurate information as well ALL XXXX major CRA 'S. This fraudulent activity is still in progress even after me sending XXXX a certified letter on XX/XX/2022 ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a complaint with the cfpb on XX/XX/2022 ( still no response ), another certified letter on XX/XX/2022 ( tracking # XXXX XXXX XXXX XXXX XXXX ). Attached labeled as Exhibit A, is a screenshot of this fraudulent reported account, reported closed on XX/XX/2022 on XXXX. Also attached labeled as Exhibit B is the final letter sent to XXXX on XX/XX/2022, informing them of how their company has violated my rights as a consumer deliberately, intentionally, and purposely and is willfully violating my rights as a consumer. Lastly, attached and labeled as Exhibit C, is a copy of this company and ALL three ( XXXX ) Credit Reporting Agencies reporting inaccurate information ( ALL HIGHLIGHTED ). How can any of this information be accurate with so many inconsistencies? The account type is inaccurate, The account detail is inaccurate, Date opened is inaccurate, Balance is inaccurate, No. of months is inaccurate, Past due is inaccurate, payment status is inaccurate, Last reporting date is inaccurate, comments are inaccurate, date last active is inaccurate, date of last payment is inaccurate, along with the entire XXXX ( XXXX ) year payment history also reporting inaccurate. Not only has my rights to privacy been violated, ( according to 15 usc 1681 section 602 A ), but also 15 usc 1681 section 604 A section 2, which states that a consumer reporting agency CAN NOT furnish a account without my written instructions.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Ive noticed someone finally filed a lawsuit with Wells Fargo over their overdraft fees. I doubt they will contact me as after having numerous months of them doing this to me, I changed my bank. But, what they would do is hold up certain charges or hold up a deposit ( that they had showed already hit ) until days later to ensure Id rack up numerous overdraft charges. Id make calls to get it corrected and every once in a while theyd waive one but Id still have to pay 2-3 or some months even more in overdraft fees. So like I said, losing that much money each month because they would move around dates of when things hit to ensure Id over draft made me finally close the account and bank elsewhere. Id love to have even a fraction back of the overdraft fees wrongly charged. I cant even log into my account now to pull up the records, so Im sure theyll get away with not paying me.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 2021-06-08
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: EQUIFAX, INC. (NJ)

I have disputed multiple items that are reporting with inaccurate information on my credit report and I have received no responses at all. I notified them on XX/XX/XXXX ; XX/XX/XXXX and I have disputed each item again XX/XX/XXXX. I have not received any kind of response from them whatsoever.
Consumer complaint received 2022-01-13
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. (TX)

Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or XXXX XXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. XXXX XXXX refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed XXXX XXXXl to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to XXXX XXXX once answered. To my knowledge, this is also a violation of my consumer rights.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

In XX/XX/2018 I logged in to my XXXX 's account to pay my credit card and it was not accessible. I called XXXX 's credit department to find out what the issue was and was given this number ( XXXX ) to call. I was told when I called that my account has been closed. I had been struggling to make payments due to a job loss which lead to a pay cut. I had communicated this to XXXX 's credit card department via phone calls and was making minimum payments inconsistently. I disputed the closure of my account on the grounds that I was not informed of it in anyway or form, and also on the grounds that my financial situation is better that will enable me to make big payments. The Citi central recovery department whose agent I spoke to at the above number asked me to submit a letter for the reopening of the account which I did fax on XX/XX/2018. I called the next day and spoke to an agent who acknowledged the receipt of the letter and told me they were working on it to make a decision. I just called today to check on the status of the request and was told by agent # XXXX that a decision was made on XX/XX/2018 not to reopen the account. Again they didn't have the courtesy to inform me of the decision they made which is adversely going to affect my credit just as they did with the closure of the account. I feel very disrespected and taken for granted.
Consumer complaint received 2020-01-27
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. (NY)

TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX  Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX  Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}
Consumer complaint received 2023-03-22
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: Westlake Services, LLC (IL)

I'm extremely disappointed in the way this company has treated me for not responding to the dispute I sent a couple of weeks back. This company has violated my rights, and this is unacceptable.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or XXXX XXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. XXXX XXXX refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed XXXX federal to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to XXXX XXXX once answered. To my knowledge, this is also a violation of my consumer rights.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (UT)

I've sent several secure messages to XXXX  XXXX Account by XXXX regarding non-payment of the promised {$100.00} bonus. In my last correspondence with the service representative via a secure message on XX/XX/XXXX, they have asked to send screenshots of the {$100.00} promo offer indicating that direct deposit was for any amount. I sent screenshots along with my letter to provided email address ( XXXX ) on XX/XX/XXXX. When I followed up with them on XX/XX/XXXX, they sent a generic message saying that they are unable to resolve my concern through email and to please speak with a customer service agent for further assistance. But I have already spoken to their customer service representatives numerous times via a secure message, which lead me to nowhere. They said to email XXXX and this department gave me a turn around and told me to talk to customer service representative again! Do you see how frustrating this situation is?! It appears that XXXX XXXX by XXXX does not want to take responsibility for their mistake of non-payment of the promised {$100.00} bonus. They keep re-directing me back and forth without any resolution of the issue. This is the email that I sent to XXXX on XX/XX/XXXX. 

Good day, My account is XXXX. You have asked me to provide screenshots of the {$100.00} promo offer that I signed up with when I opened my account on XX/XX/XXXX to prove to you that direct deposit condition was for any amount. The URL for the promotion was : XXXX As you can see on the first screenshot labeled XXXX  XXXX, the promotion clearly states that direct deposit requirement was for ANY AMOUNT ( I repeat, ANY AMOUNT, not {$500.00}, not {$300.00}, not {$100.00}, but ANY AMOUNT ). Please read what it says on your own promotion : Step 1 : Open a new Fare Account Step 2 : Enroll and receive Direct Deposit in ANY AMOUNT for your payroll or government benefits checks within 60 days of account opening.

Step 3 : After the first Direct Deposit enters your account, receive {$100.00} credit to your XXXX Account within 30 days. 

Since the promotion clearly stated ANY AMOUNT, my first direct deposit for {$1.00} from XXXX XXXX posted to my account on XX/XX/XXXX. Thereafter, all direct deposits of {$1.00} posted every two weeks. 

I have fulfilled all the requirements of this promo. But you havent fulfilled yours. I am still waiting for the promised {$100.00} to this date. 

I am getting extremely frustrated that I have to repeat myself so many times to your customer service reps that direct deposit in your promotion terms was for any amount, not {$500.00}. Your customer services reps asked me to email you the proof with screenshots, which I am doing here. 

If this case is not resolved, I will be escalating it to Consumer Financial Protection Bureau for your failure to comply with your own promotional terms and conditions set in your offer. 

Please advise when will the {$100.00} be posted to my account. 

Thanks, XXXX XXXX
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (CA)

Subject : XXXX XXXX XXXX subsidiary Inbox Loan Not Licensed for Lending Activity in the state of CA. 

I began to suspect suspicious activity from the lender when I received multiple calls to complete an application after I had already done so. I was receiving multiple calls, emails and voicemail messages from various representatives of the company to verify my bank account details and at one point received an email that my bank account details were verified although I had already completed over the phone with the representative days before. After receiving the loan, I reviewed my statement and noticed incorrect amounts that were not quoted, or reviewed with me, over the phone. In addition, the monies they were going to take out on the first payment were more than stated. After noticing all of the discrepancies I began to research and found out the company was not licensed to do business in the state of California which is where I reside. In addition, I saw several reports of the parent company " XXXX XXXX XXXX '' was not licensed to do business in several states and were known to do business under various business names one of them being " Inbox Loans. '' After finding this information I contacted XXXX Loans to request their license number and was told by several representatives that they didn't know it or that their Finance department was the only one that had the number. I contacted the Finance department and was also told by the representatives in that department that they didn't know it and my request would have to be escalated. I contacted the CA Department of Business Oversight and it was confirmed by a representative that XXXX XXXX XXXX and Inbox Loan had been reported and were not licensed but I would have to contact FTC to report it. The FTC suggested I file the complaint with the CFPB. I have received numerous calls and messages to collect monies on the loan, often times late at night or at work. I am frustrated and scared this organization will take the information provided and access my personal data, including financial data. Can someone please help!
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consent.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or XXXX XXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. XXXX XXXX refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed XXXX XXXXl to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to XXXX XXXX once answered. To my knowledge, this is also a violation of my consumer rights.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

PayPal is refusing to close both accounts to my knowledge possibly more I am being told they cant send a statement for a negative balance on a prepaid debit card I believe I am being stalked by a XXXX male employee dressed in drag, that embezzled money at pep boys in XXXX, California ultimately he is going by an alias but once went by XXXX, I am trying to close all PayPal accounts because she went to prison for stealing out of the cash register while working just ask XXXX XXXX the Manager at pep boys back then before it was closed after being robbed! Please investigate this and close my fake accounts she has no apparent reason to keep my account open. Please help?
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

on XX/XX/XXXX we submitted a dispute to all three credit bureaus XXXX Bank of America acct # XXXX we also sent XXXX certified letters directly to Bank of America on XXXX XXXX and XX/XX/XXXX tracking numbers XXXX and XXXX This account is currently appearing on our credit reports as profit and loss write off / charged off with a balance owing in the amount of {$72000.00}. This account was for an RV loan that we voluntarily surrendered back in XXXX. We have been making monthly payments on a balance that has not been verified. Bank of America has failed to respond to our multiple requests for documentation. We believe this vehicle was sold and the proceeds were not applied to the account thus any deficiency amount is questionable. Our credit reports do not reflect the proper status or that monthly payments have been applied. Bank of America has not been forthcoming with information and we need resolution as we continue to incur damages.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

My girlfriend and I both applied for the same credit card around the same time this year, she was approved and I was denied. 

We have similar credit scores and risk scores ( mine fare a bit better than hers ). Our public records are identical and she has way more unpaid debt than I do. My oldest accounts are also older than hers.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, i lost my phone and wallet, within a week a see some chargers from XXXX XXXX on my bank account from Wells Fargo, I called my bank and tell them everything that I lost my phone and card, they filed a claim, for {$1400.00} which were all from XXXX XXXX as you can see in the pics, fyi I dont have cash app or use it at all, this claim was made as soon as I found out, they credited me {$1400.00}, past 20 days, {$1100.00} gets taken out of my account, remember my claim was for {$1400.00} I called Wells Fargo and ask them what happened, and they said that the merchant presented proof that I made those payments which I responded what proof? No answer, and then I said if they presented proof you wouldve taken the {$1400.00} all but you didnt and only took {$1100.00} which is already a lot, they lady on the phone just stay quiet and said that they couldnt do anything else, Im really mad and sick, this is not funny I want my money back, because I didnt authorized/make those transactions and it doesnt make sense why they didnt take the whole {$1400.00}.
Consumer complaint received 2021-06-08
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)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.