davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with Wells Fargo. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.
Consumer complaint received 2021-08-12
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)

FCRA VIOLATONS : NOT MINE Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9200.00} Status Account charged off. {$40000.00} written off. {$9200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Account charged off. {$3600.00} written off. {$3400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$940.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$580.00} written off. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Collection account. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (TX)

On XXXX of 2020 I filed a dispute with this account explaining how I was a victim of fraud. Someone used my credit card information to take a large sum of money from my account, in which I received no benefit from.I have been paying off my balance for 20 years on time with no problems. When I filed the dispute, I was told someone from the fraud department would contact me and help me. Additionally, I had been calling them numerous times to try to get this resolved. I have not received any help. I had been paying the minimum balance of this account for fear it would affect my consumer report. I recently just stopped this pass XXXX. Now the company has lowered my credit limit, threatened to close my account, threaten to write it off as a collection, and will be ( if they haven't already ) ruining my consumer reputation by submitting their inaccurate information to the credit bureaus.
Consumer complaint received 2018-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

I received a payment to my Paypal account in the amount of XXXX on XX/XX/2018. Two days later, I noticed the amount was not being reflected in my balance and reached out to Paypal support for help. I have been in contact with them multiple times and have followed all of their instructions : opening a ticket with their XXXX technical support, waiting 24 hours for the fix, waiting a week for the fix, opening a second ticket with their XXXX team, etc. I even suggested ways they could fix the issue like issuing a credit to my account. 

They have now stopped responding to my enquires and have not provided the funds or any additional information.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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 an account without my written instructions.
Consumer complaint received 2021-10-08
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. (GA)

I went to my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of 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 XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX , XXXX XXXX XXXX. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I have contacted the credit bureaus and XXXX XXXX for months about this account showing up with a balance on my credit report when in fact I paid it and closed them in XXXX. I had a credit builder account and an credit card both of them were paid and closed by me.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX, Account # XXXX with 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 an account without my written instructions.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cannon & Cannon Firm PC (CO)

Process server has harassed the current owner where I used to live and had been repeatedly told I now longer live there. They have also harassed my former neighbors, gotten angry with the current occupant, and after being told I do not live there several times STILL SERVED THE PAPERS by leaving them on someones porch because I used to live there. This is absolutely illegal. They have crossed no trespassing signs, used abusive language, and even sat outside the house for half an hour before even though I do not live there.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (OH)

XX/XX/21 Used Convenience check # XXXX associated with my account that had 2 % conveyance fee for a company building a pavilion on my property. The check had to post by XX/XX/21. 

XX/XX/21 Unidentified caller ( caller ID ) Left message at XXXX. Message was retrieved by me later that evening and it was Barclays security department verifying the check was written by me. 

XX/XX/21 Called Barclays security department in the morning and was told the check was denied already ( less than 24 hours after their message ). I was bounced around between the security and customer service departments approximately 1 hour. The Barclay system disconnected my call several times during this timeframe, and I had to keep calling back in and re-explain the situation each time.

I was finally passed to the person at Barclays who actually creates their internal report of the denied checks. She reached out to a manager, put me on hold and my call was disconnected again. She called me back because I told her how many times I was disconnected. She said they got the check removed from the report and told me everything is fine and the check will clear. 

XX/XX/21 Last day for convenience check to post for 2 % fee. 

XX/XX/21 Received notice the check was denied again after confirmation the check was removed from the report and told it would clear. I had to scramble and pay the contractor by different means so the construction project wasnt removed from their schedule. 

Once again, after several disconnected calls and a total of 2 hours and 55 minutes on the phone with Barclays, I was apologized to multiple times. No one could ever tell me why the check was denied again after I asked several times. I told them I was wronged in this whole scenario because now the conveyance fee is 3 % and I had to pay for the first half of the project by different means. Barclays agreed. I told them I plan to pay for the final half of the project with a conveyance check but its now 3 %. 

I was instructed to use the 3 % check but call in and let them know I wrote the check so it is not declined again for fear of fraud. I was also instructed to wait until it posts then call in and I would be refunded the 1 % difference in the fee. 

XX/XX/21 : Project is completed and the 2nd check, # XXXX associated with my account is written. Barclays as called and alerted the check was written, to whom it was written to and the amount and I was told it was noted in my account. 


XX/XX/21 : As I was instructed on XX/XX/21, I called Barclays today to request the 1 % difference refunded to my account. After 3 people, 3 disconnections again I was told there is no record of any of this in my account.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-08-28
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. (AZ)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 2 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-02-03
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. (FL)

Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much XXXX
Consumer complaint received 2022-08-13
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)

From XX/XX/XXXX until XX/XX/XXXX I have acquired XXXX hard inquires on my credit report. I have mailed, called and emailed Equifax several times ask them to remove these hard inquires because I never applied for anything. I have been a victim of the XXXX data breach of Equifax. Equifax is in direct violation of my Fair Credit Act : 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
While there is a section 604 in the Fair Credit Reporting Act ( FCRA ), this section outlines the limitations on when an external entity can pull your credit report and does not cover any subject matter that could help you improve your credit, through a dispute or otherwise.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WV)

As a result of the COVID-19 pandemic, XXXX has allowed consumers one free credit report from each of the three major credit reporting agencies each week. Every time I go to the web site, I am able to get my reports from XXXX and XXXX  Equifax fails each time to produce my report -- I get the following message : " Online Delivery Unavailable. 
We are not able to deliver your free Equifax Annual Credit Report online. '' I am confident I answered all the verification questions properly -- the answers are obviously on my other credit reports. For example, on or about this date, which credit card did you open? 

The following are the dates I have tried to get my Equifax credit report online via XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

There are probably other dates as well, but I don't have them documented. The XX/XX/XXXX date is when I called into Equifax, the let the know of the problem I was experiencing, and to ask them to send me a copy of my report. If I recall correctly, the representative said I should have no problems accessing my report online going forward. I tend to believe this is an Equifax problem. From what I have seen online, I am not the only person experiencing this problem.
Consumer complaint received 2021-04-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (MO)

Rent recovery calls me a minimum of four to five times per day sometimes ( before XXXX XXXX and after XXXX XXXX ) rent recovery also made treats against me ( legal action ) and used abusive language when leaving vm and when speaking to me on the phone. I have explained several times I am not responsible for this debit. The creditor XXXX XXXX XXXX XXXX XXXX didnt subtract my pet deposit or regular deposit, they also charged for repairs that I have already proved where to be replaced when I moved in ... example carpet was worn and they agreed to replace carpet, they then switched management companies and said it wasnt in the budget so the carpet wasnt ever replaced before I moved in. they then tried to charge me for new carpet to be replaced after the move out date. This was all verified with XXXX who works at XXXX XXXX XXXX XXXX XXXX. I also only signed a 1 year lease, I never renewed lease after the first year. I have explained this several times however rent recovery continued to call four and five times a day and continued to make threats against me as well as release personal information about me To others.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

My mortgage was transferred from XXXX XXXX LoanCare LLC. I tried to log into the LoanCare payment system to schedule my XX/XX/XXXX payment. The Loancare system says my SSN is " invalid ''. I called the Loancare LLC customer service number and was told that I have 60 days without any adverse effect ( late fees, credit score ect. ) I asked for any documentation to that effct and was told it does not exist. Ads of the moment- I can not schedule my mortgage payment and have nothing but a verbal say so from am anonymous rep that I will not be negatively affected by their delay
Consumer complaint received 2021-04-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (SC)

Plainly I was Bold Faced Lied to about the terms and conditions of my loan agreement. The Interest rate first and most important! The amount that would be due each month and received only one phone call stating any concern about falling behind on my payment after calling to explain I'd be starting a new job as I was laid of during the pandemic and lost everything while struggling to eat. Without notice they repossessed my car, leaving me unable to get to the new job, walking 15 miles per day.If the country is pleading with Americans to get back to work then please explain how this helps the economy? Rules and regulations should be enforced when dealing with these companies which are designed to take an honest man 's assets from him and his family. Cutting of their primary means of transportation doesn't help anyone get to work, nor does that help our economy. I've put this situation in XXXX Almighty 's Hands and will leave it there. If their is anyone out there who could help me bring awareness to the hardworking family who may be thinking about getting a title loan, please I beg of you, help! Any way will help. This company Title Max should be shut down and the loans given like the loan given to me should be illegal ... Thanks from a seriously hurt hardworking man. XXXX XXXX XXXX
Consumer complaint received 2020-06-03
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}
Consumer complaint received 2021-04-04
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: EQUIFAX, INC. (PA)

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.