davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I have a checking account at Wells Fargo bank and on XX/XX/2018 I make ATM deposit of {$1000.00} Money order from post office. The same day I realize that the online balance show {$100.00} deposit instead of {$1000.00}. The same day I called customer service of Wells Fargo bank and let them know that my balance doesnt reflect the correct amount of the deposit. Now one week later I called Wells Fargo bank and they say that the investigation is going to take 10 days. 

My question to you is : Can banks take whatever time they say to take a look of checks or money order deposits and correct the amount.?
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX agreement number : My XXXX account is reporting a inaccurate balance. My principal balance is XXXX. My credit report with XXXX, TransUnion or XXXX does not reflect this balance. My statement will be included with this letter XXXX bank XXXX XXXX. ending in XXXX My XXXX bank XXXX XXXX  has not been updated by XXXX bank since XXXX 2022 with the credit reporting Agencies due to a system update that went bad. My current balance is {$0.00}. My statement will be included with this letter.
Consumer complaint received 2022-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc (OH)

My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. 

I sent a letter to XXXX asking for : Validation of the debtthat is, actual accounting. 

Verification of their claim against you ; that is, a signed invoice.

A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered.

However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (FL)

The collection agency have been unable to verify this debt lawfully. They are trying to collect on behalf of their client XXXX AT XXXX XXXX for a non sufficient fee and some alleged amount of {$290.00} they claim I owe to them. However, I would like to say that I didnt pay with a check so forth I never had a return payment and I shouldnt be charged an Non Sufficient Fee like they claim, the amount of {$150.00} is not applicable, the amount of {$140.00} was disputed by me on the credit card I used to pay an application fee because I felt an improper and discriminatory practice against me and I have all the legal rights as a consumer to do so, but unfortunately my claim got rejected by the bank and the money was paid to them. Furthermore the charges on the invoice they had attached on the validation letter are not valid/legit, I never lived in this place so I I should not have a balance at move-out charge for {$98.00}. That being said Im not obligated to pay off this debt that they unlawfully alleged I owe to them and their trying to collect. 

I have bank statements and proof from my bank that the money was paid to them. 

In addition I never receive a notice of debt and the only time they call me they claimed that they didn't call to argue with me and they hang up when I try to ask for more details about the money they were trying to collect.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (NC)

I have recently been turned down for car loan, life insurance and now most recently to purchase a mattress at 0 % interest for 45 months Received a letter from Sychrony Bank dated XX/XX/XXXX My credit score is noted on by XXXX XXXX XXXX as of XX/XX/XXXX. 
XXXX  monthly monitoring report my current score is XXXX. 

My Bancruptcy will be coming off my record in XXXX. 

I am requesting that XXXX update there credit reports to reflect all of my information correctly. My credit report is on freeze at the moment someone will need to contact me too unlock my reports too view them. 

I am concerned there reporting this information incorrectly will start too affect my score which I have worked extremely hard too bring up too this level Over the past few years. 

Thank you for your assistance in advance.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

n accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  Account # XXXX, XXXX/XXXX/XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (TX)

When I looked for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was gathered by an aggregation website, which encouraged me to examine the website 's FAQ section before contacting around nine separate websites. I was ashamed by the fact that I had to request that my items be taken, as I respect my privacy. I discovered unauthorized fraudulent accounts on my credit record ; I would like these accounts to be erased and rectified. Remove any fraudulent and bad accounts from my credit report. This has impeded my capacity to obtain financing. I am making every effort to regain control of my life. Please help me eliminate any bogus accounts. Please inform me of any other steps that can be taken to remove these accounts from my report.
Consumer complaint received 2018-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX there was an auto taken out in my name that I wasnt familiar with. Its from XXXX XXXX XXXX in the amount of {$10000.00}. Now, Ive called and called about this matter. I was told it would be taken off my credit back in XX/XX/XXXX when I called the bureaus. Then, last month I was told it would be taken off due to Statute of  Limitiations ( SOL ) of debt reporting in Michigan is 6 years. This account is 8 years old. This company uploaded a random payment that I DID NOT make in XXXX. XXXX XXXX XXXX XXXX such a fraudulent company!!! Please remove this from my 3 credit bureaus, for it says by law, that 6 years is the max amount of time debt reporting can report to your credit. Also, XXXX XXXX opened XX/XX/XXXX with a balance of {$760.00}, which is way beyond Statue Of Limitations reporting. There are 2 fraudulent debt collections from XXXX XXXX in the amounts of {$260.00} & {$250.00} that dont belong to me at all.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX XXXX times to have this account ( XXXX ) with ( XXXX- name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, DATE OF LAST ACTIVITY, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (FL)

I XXXX XXXX am disputing the transaction that settled on XX/XX/XXXX XXXX in the amount of XXXX. When I went into XXXX XXXX  on XX/XX/XXXX at XXXX to do an over the counter withdrawal the teller XXXX XXXX informed me after swiping my card twice that the transaction did not go through. I told her my netspend account showed the transaction was pending from XXXX XXXX  in the amount of XXXX. The branch manager XXXX XXXX then informed me that the transaction would automatically fall off because the funds were not taken on there end. She promised me the funds would automatically reverse. The next day around XXXX am I noticed the transaction from XXXX XXXX  showed it had posted and the funds were taken out. At this time I went back to XXXX XXXX  to show them the transaction had settled they told me the funds were not collected on there end and I needed to file a dispute. This was my money from my XXXX payroll deposit. I am without money at this time. I go to this bank every Wednesday to do this same over the counter withdrawal if you check my records. I have XXXX small kids and am now without any money. Please fix this the cash was not given to me and I have the e-mail I sent to the branch manager XXXX XXXX advising her that the amount had settled and was taken. I am attaching the e-mail below. I have been with netspend along time and have never had this happen. I was also provided with chase reference cancellation number XXXX Please fix this! 


XXXX XXXX XXXX standing XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-04
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. (NJ)

PLEASE UNDERSTAND THAT I AM THE ONLY PERSON WRITING THIS STATEMENT.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I DID NOT AUTHORIZED NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORT. PLEASE SEE ATTCAHED DOCUMENTS.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account ( XXXX ) with ( XXXX name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, DATE OF LAST ACTIVITY, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/XXXX, I called in to customer service for PayPal XXXX, serviced by Synchrony bank, to ask if a foreign transaction fee would be charged for a purchase I was about to make in XXXX. The representative told me they do not charge foreign transaction fees, so I used my card. When I received my statement on XXXX XXXX, XXXX, there was a foreign transaction fee of {$120.00} charged, so I called customer service. The representative escalated the call, due to the amount of the charge, and the account supervisor apologized for the incorrect information given to me prior to the charge, and offered to credit the fee as a courtesy. Since then, I have called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to follow up on the fee reversal, and each account supervisor kept telling me that the fee would be reversed with the credit appearing on my next statement. It wasn't until my call today, XX/XX/XXXX, that another account supervisor told me that the requests for the reversal had each been denied! I was never informed that these were denied ; I was told by an account supervisor on each previous call that the would be reversed!
Consumer complaint received 2022-07-30
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. (GA)

I inform you again that am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act Acs XXXX XXXX XXXX  account and XXXX, have violated my rights. 

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

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I have never had an XXXX XXXX XXXX account in my life I have never had any XXXX XXXX XXXX connected services in my house I called recovery repair reporting agency they told me I had connected services in my house at XXXX XXXX XXXX that is not true I have never had any XXXX XXXX XXXX accounts in my life however I keep getting this same account reoccurring in my credit every 2 months I have to dispute this
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious account XXXX XXXX XXXX XXXX Balance {$17000.00}. I think CREDIT BUREAUS have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX XXXX, XXXX and XXXX, and I'm including it again.
Consumer complaint received 2022-04-14
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. (MD)

These accounts below are the name of all inquires that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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. (NY)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious account XXXX XXXX XXXX XXXX Balance {$17000.00}. I think CREDIT BUREAUS have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX XXXX, XXXX and XXXX, and I'm including it again.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, {$1000.00} was taken out of my Chase savings account ( transaction number XXXX ) and {$500.00} from my checking account ( transaction number XXXX ) at the Chase branch ATM at XXXX XXXX XXXX in XXXX. I immediately noticed this the morning of XX/XX/XXXX and called Chase to report that I did NOT take out any monies from those accounts at that ATM. For more than 20 years, I have never taken more than {$400.00} out at one time. 

The monies were put back in my account but were reversed out days later ( claim reversals XXXX and XXXX ). When I called Chase, the representative said that my physical card and number were entered and I was responsible. A phone text was sent to confirm when the monies but I received no text message and I did NOT withdraw the monies, I have gone to the branch to request reviewing the ATM video to prove that it was not me withdrawing the money. The branch manager ( and then the claims department ) refused to look at the tape. How else can I prove I did not withdraw the money. 

To Chase, the {$1500.00} is an insignificant amount of money -- but not to me. 

The claim number is XXXX. I am afraid to put in monies in these accounts because this may happen again. I don't think I have EVER withdrawn money from that Chase ATM branch. The Fraud Compliance number for Chase is XXXX. 

Your help in this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NY)

The problem started on XX/XX/2022. Someone took money for my business account 2 times with a first quantity of XXXX with a fake bank check and the second quantity was about XXXX, XXXX. It was a tranfer money. And in XXXX of my personal account they tranfers money to anocher bank that I never heard about that bank with the quantity of XXXX and in the other personal account they are doing XXXX with the amount of XXXX, XXXX, ect.. without my aouthorization. 
They also opened account under my name in XXXX  XXXX where I never have any account with that bank and making transfer money to one of my personal Chase Bank to a XXXX XXXX, and there are also several accounts under my name that I never make them such as XXXX XXXX. I report all that situation as a fraud with a Chase Bank, XXXX XXXX  and XXXX XXXX and they are under investigation. XXXX XXXX  is another bank that transkfer XXXX dollar form my Chase personal account to their account.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

On XX/XX/2022 Citibank advised that they were closing my account. They advised the account would be closed within 60 days from XX/XX/2022 and that a check would be mailed to me for the balance in the account. The balance in the account of {$1000.00} still has not been mailed to me. I called Citibank and advised them I wanted my money back. They said they still had another 30 days to actually close my account. I would like my money back from my account.