davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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: EQUIFAX, INC. (CO)

I opened a checking account with XXXX XXXX  in XXXX. In XXXX I made a transaction that XXXX XXXX  paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. XXXX XXXX  decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from XXXX XXXX  from XXXX. I have shredded all paperwork associated with XXXX XXXX  since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to XXXX XXXX   several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since XXXX XXXX opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt XXXX XXXX  does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).
Consumer complaint received 2021-02-21
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: SYNCHRONY FINANCIAL (NM)

I am a victim of identity theft. 

In early XXXX, 2020 I learned that my personal information was fraudulently used in attempting to open a credit account at Synchrony Bank, without my knowledge and permission. I did not request or authorize this account. ( Please see letter from the bank, attached. ) I immediately contacted Synchrony Bank and asked them to take all appropriate steps to remove information about this account from my credit files. Also, I requested removing all negative reporting associated with my name. 

Since then, absolutely no action has been taken on the part of Synchrony Bank to remedy this problem. I have contacted Synchrony Bank by phone monthly since XXXX to ask for updates about the matter. Every time the person answering my call gives me an unacceptable excuse as to why this matter has not been resolved. 

During my very last call I insisted that they give me the postal address for their Fraud and Identity Theft department. As soon as I made this request, the employee hung up the phone. 

Back in XXXX, a number of other fraudulent attempts to open bank or credit accounts in my name. All those issues were resolved by the institutions in question within just a few weeks. 

The fact that the last representative from Synchrony Bank hung up on me, gives me the reason to believe that the bank itself may be involved in illegal activities. They have certainly violated laws and regulations imposed by the federal government in terms of resolving matters of this sort appropriately and in a timely manner.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Hi there, I am an international student holding a student " F '' Visa. 

I opened a checking account with US bank in XX/XX/2017 when there was a promotion. I told them that I am an international student Visa and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. 

Then, in XX/XX/2017. I received my bonus for opening a checking account, which is {$200.00}. However, they charged me {$56.00} Federal Interest Withhold at the same time. 

I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all.

Then I went back to the branch where I opened my account so many times, each time they said sorry for what they did, copied my information and said everything was fine, you just need to wait, they will refund you {$56.00}, but i still have not received my {$56.00} Federal Interest Withhold until right now, It's being almost 1 year. During this year, i called the branch said they didn't resolve my problem, i want to complaint to their manager, but they said the manager is not there, they asked me to leave my phone number, the manger will call me back, However, I have never heard anything from their manager. 

According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.S. ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a XXXX student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX  XXXX XXXX, XXXX XXXX, XXXX. 

And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392.

I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (PA)

I received an email around XX/XX/XXXX, in which PayPal claimed that they were selling off my debt to a collection company. I was so confused by this, because not only have I not used PayPal in years, but I have not been able to even login to my account in roughly the same amount of time. Then I looked at the total of this supposed debt that I have, and it said {$15000.00} and some change. I was absolutely flabbergasted, as I can definitively say I never ever used PayPal to accrue {$15000.00} worth of anything. I actually dont even remember a time Ive used PayPal in my name. I feel like they are just trying to take money from me, and claim that I have a debt that I did not incur. I have tried to email them to appeal this supposed debt, but they are not budging. They are claiming that guy was the one that in fact spend this money. I can 100 % say I was not. They said the charges are from XXXX, and I did not use PayPal in XXXX. I am at a loss, and I do not know what to do about this. I have worked very hard to fix my credit recently, and this is absolutely going to destroy it. This is totally unfair and not right in every way. How can a company just do this to me? I need help. It is entirely possible that this is a case of identity theft, where somebody fraudulently use my PayPal years ago. I just dont know. PayPal is being extremely uncooperative, and they wont even provide me with a detailed list of these supposed charges, so that I can even dispute them.
Consumer complaint received 2020-11-16
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: ALLY FINANCIAL INC. (UT)

1. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (TN)

XXXX LoanCare - https : //www.myloancare.com/app/index.html # XXXX has collected the county tax disbursement twice and never paid to the XXXX County, XXXXcounty trustee is saying they never received the excess or duplicate money and gave the letter to submit to the Mortgage company, in spite of calling several numerous times and emailing the issues several numerous times, the issue is never resolved We need our money back and need advice on how to get this money back XXXX LoanCare support number : Contact Customer Service XXXX Monday XXXX Friday XXXX XXXX. - XXXX XXXX. ET Saturday XXXX XXXX - XXXX XXXX. ET. 

Appreciate your help and support XXXX XXXX XXXX XXXX XXXX Loan NumberXXXX
Consumer complaint received 2017-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J&L Collection Services (CA)

I have sent J & S collections 3 certified letters in regards to the fraudulent account they have placed on my credit and i have not got a response but they have responded to the credit bureaus alleging the account belong to me. I was not notified by them about the debt so i was never afforded the opportunity to dispute it. I DO N'T KNOW WHO THE ORIGINAL CREDITOR IS.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NC)

My name is XXXX XXXX - I live in XXXX, North Carolina. 

Someone has opened a credit card in my name with Citi CBNA - I have contacted the bank but they have not responded to me with via phone or online. I would like to find out how has used my social security to open this credit card.

I currently have a {$41.00} balance on this credit card and am not aware who used my social security to open this credit card.
Consumer complaint received 2018-07-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I had a collection account on my credit reports from XXXX, XXXX and Eqifax from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally removed?
Consumer complaint received 2018-07-08
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. (FL)

After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x EQUIFAX : 1.XXXX XXXX XXXX 2 . XXXX XXXX XXXX  : XXXX XXXX
Consumer complaint received 2021-10-31
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 (MI)

I have called multiple times and was treated poorly and was being told that my funds were not taken when I know how much money I had and my funds were in fact taken. The employees were hanging up on me and acting like they could not hear me. They did not provide me with proof of my funds not being taken and did not help me resolve the issue. I also escalated the issue twice with no resolution. I suspect that the company took my funds themselves due to the way this has been handled. Many transactions are missing from my statement and from my alerts and this is a problem.
Consumer complaint received 2018-07-08
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. (CA)

XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!
Consumer complaint received 2019-05-29
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. (MD)

After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked. 

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX  XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX {$530.00} 7 ) XXXX XXXX {$410.00} 8 ) XXXX  XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX  {$100.00} 12 ) XXXX XXXX {$57.00} 13 ) XXXX   XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX
Consumer complaint received 2018-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

I have called Wells Fargo multiple times and have spoken with customer service representatives. I would like to be able to view my banking records for the savings and checking account. If I am not able to view these services online I would love to be able to received the paper copies they are for financial disclosure. Please assist me.
Consumer complaint received 2020-11-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pankey & Horlock, LLC (GA)

I received an invoice on XX/XX/XXXX showing an amount due of {$450.00}. 

On XX/XX/XXXX without any notice the amount grew to over {$12000.00}. 

In XX/XX/XXXX we reached a settlement that the case would be dismissed. 

In XX/XX/XXXX. I received an invoice showing no fees fines. This was due to case being settled. 

I complied with all the terms of settlement. I mailed Certified mail with return receipt the settlement offer to debt collectors office. 

Without any notice After settlement was reached attorneys filed a motion for XXXX  XXXX. After settlement was reached with no notice attorneys decided to proceed to trial. 

Debt collectors
Consumer complaint received 2020-08-28
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: V and H Portfolio (SC)

on XX/XX/2019 Vance Huffman LLC has added a collection account per XXXX XXXX upon further research, this account was transferred and i am no longer responsibile for this account. Debitors did not verify this collection. Also there is no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Vance and Huffman LLC has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Consumer complaint received 2020-08-28
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.