davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (WA)

I have been making payments from my bank account for over 18 months on autopay. This month the company had difficulty taking funds, as detailed to me from the employee. I called multiple times to verify my funds were being processed and all was secure. Continually got the clear. Then they call today to tell me they no longer work with my bank and Im past due/marked my credit. Ive had the money in my account, Ive made the payments through their system, Ive been assured by their employees, now they hit me with a delinquency when they stopped working with my bank. Additionally charged me fees! This company is corrupt and sick.
Consumer complaint received 2023-01-20
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}
Consumer complaint received 2020-08-06
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. (MS)

I have collection that is reporting on my credit report that I have been trying to have removed from my credit report. I looked and according to Mississippi ( my state of residence ) statue of collection limtation time it is 3 years, and the last reported date on my credit report is XX/XX/XXXX. Every time I sent my dispute request to the credit bureaus the last time being on XX/XX/XXXX, it is coming back verified by XXXX how can that be if no one has reported on it since XX/XX/XXXX, way over 3 years time limit of collections for Misssissipi. I desire to have this removed from my credit report immediately for a violation.
Consumer complaint received 2019-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I have sent several written letters to Hunter Warfield requesting that they validate or remove the debt on each of my credit reports. I haven't received any communications from this company to validate any debts. They continue to erroneously report increases to the balance which negatively impacts my credit score.  Please help as I am getting no where with this company.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo charges " overdraft fees '' for every little thing. They charge me for a overdraft fee, and I paid it back before a work week come in. On a Monday the bank still charges me a fee. I put the money in there on a Saturday.
Consumer complaint received 2020-08-06
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: GOLDMAN SACHS BANK USA (GA)

I am sick of XXXX  and dealing with their incompetent representatives and asinine online portal. Every time I upload documents on XXXX website and call XXXX  to verify documents, they always state that the documents are not viewable. I have even paid for certified mail to be delivered to XXXX  address so that they can remove and block these fraudulent account. 

I do believe that XXXX  is lying and are not taken my fraudulent claim serious. I have been dealing with XXXX  regarding these fraudulent accounts for over a month now and nothing has been done to remove these fraudulent accounts. These fraudulent accounts do not reflect my credit worthiness and also caused me to lose out great job opportunities. 

Since we are living in a world where Covid caused a lot of people to lose their job and can not provide for their family. I am XXXX that XXXX is not taken my fraud claim serious. I am requesting for these following fraudulent accounts to be removed and blocked immediately due to identity theft : 1. APPLE CARD/GS BANK XXXX Account # : XXXX Balance : {$6800.00} 2. XXXX  XXXX XXXX Account # : XXXX Balance : {$580.00} 3. XXXX XXXX XXXX Account # : XXXX Balance : {$8600.00} 4.  XXXX XXXX XXXX Account # : XXXX Balance : {$28000.00} 5. XXXX XXXX Account # XXXX Balance : {$3700.00} 6. XXXX XXXX Account # : XXXX Balance : {$3700.00}
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation. 

XXXX XXXX XXXX XXXX XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Consumer complaint received 2023-01-20
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. (CA)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. I need this account verified in order to clarify my credit report Here is the account : CREDIT FIRST NA XXXX
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Back in the end of XXXX this year i was on social media & I got a message from a XXXX XXXX on XXXX & it said get paid {$1500.00} a week Just for keeping me happy, so therefore I went along with it she wanted my bank account information so I gave out the detail for it, she also wanted some money back which I didnt know why I be receiving information about my transaction saying Stop Payment I think since this morning my bank account had been frozen since this I was receiving fake checks but I still have the photos
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Good day, I want to complain Paypal for permanently limiting my account last XX/XX/2022, I received an email from Paypal that I can no longer do business with them, that I violate Paypal 's Acceptable Use Policy. I tried to message Paypal and ask them what I did wrong with my Paypal account and they answer about the violation of Paypal 's Acceptable Use Policy. I ask them to explain to me thoroughly the problem of my account but they always answer that they can not fix my account if i already received an email that I'm permanently limited. 

Currently I'm using bank transfer to received money from my client across the globe and i'm having problem because of too much bank charge and it cuts my small income. I want my Paypal account to be restored because of its convenience to its users like me, but Paypal is too strict with their policy that most of its user account get limited. 

I hope you can help me with my problem. 


Thank you and Best regards, XXXX XXXX XXXX
Consumer complaint received 2019-09-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (UT)

In approximately XX/XX/XXXX a medical bill for {$570.00} was sent to collections care of the CBE group. Between XX/XX/XXXX and XX/XX/XXXX that collection was removed and a new collection was added of the same amount labeled as being from CBE group former. 
This is re aging and it's illegal.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (GA)

My credit was pulled without my knowledge or authorization by these companies. 

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 2020-08-06
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)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (MD)

Unauthorized EXPERIAN credit pulls from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I started a Short sale with Mr Cooper in XX/XX/2020, I have had emails from bank asking me for additional docs that I have provided consistently. I continually get this from the assigned negotiator. ( Hello, Thanks for the document. We have submitted the given documents for underwriting review. I will keep you updated throughout the process ) now I get a letter in the mail stating that I have been denied because of lack of documents sent in but I WAS TOLD EVERYTHING WAS IN. I called in and the bank doesn't even show that I am trying to do a short sale and the only thing they can do is give me an email for XXXX I have sent 3 emails and the bank customer service said they sent emails with me and they also tell me that I will have a response within 24 hrs. Which is a lie. Now I am told that they have shipped out all short sales to XXXX and they have no phone number to reach anyone. What do I do ... I am so frustrated that this is going to go to Foreclosure because the Bank was irresponsible in doing anything to help me try to do the right thing
Consumer complaint received 2023-01-20
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. (FL)

I found many inaccurate accounts listed on my credit reports that under the violate my privacy according to the Fair Credit Reporting Act under 15 USC 1681 section 602a.

Also under 15 USC 1681 section 604a : States that I have to privacy 15 USC 1681c - a5 section 2 : States that a consumer agency may not furnish any account without my written instructions.

15 USC 1681s-2 a1 : States that no consumer agency may make any consumer report containing adverse item of information about me. 

The accounts that have violated my rights are : XXXX XXXX XXXX acct # : XXXX XXXXXXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX account # : XXXX XXXX XXXX  XXXX acct # : XXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  acct # : XXXX
Consumer complaint received 2020-08-06
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)

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 ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX  XXXX {$490.00} XXXX XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXXXXXX {$520.00} XXXX   XXXX {$190.00XXXX XXXX XXXXG XXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}
Consumer complaint received 2023-01-20
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. (NY)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (NJ)

An account was fraudulently opened in my name and has been causing a great deal of harm to my life ever since. This account has been misrepresenting my credit report for the last 3 years and has caused insurmountable losses physically, mentally, emotionally, and financially. I demand this account be removed immediately from my credit report as it violates my civil rights by showing misleading information to creditors.
Consumer complaint received 2022-08-02
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C 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. 

TransUnion Employer : SXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collections : 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 Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Employer : XXXX XXXX TXXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2022-08-02
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. (CT)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-11-07
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

I received an advertising in the mail regarding a XXXX XXXX XXXX in XX/XX/XXXX. I called the phone number listed on the advertising and after answering a few questions, I was told I needed to enroll in school as quickly as possible. A few days later, I received call advising me that I was pre-approved for {$20000.00} and since I have a son in school that qualifies me for the loan and they could have proceeded without me been matriculated in school. I was also told that I would need a co-signer. I was excited to go back to school. With no knowledge at the time, I immediately called my dad who agreed to co-sign for the loan. The loan was approved and I started school XX/XX/XXXX. In XX/XX/XXXX, my father was diagnosed with XXXX and I fell behind on my loan. I started to receive phone calls regarding past due balances as so was my dad and son. After a bit of research, I realized that what the representative failed to disclose was that my son was actually listed as the student and not me. I was listed as the borrower, my son as a student borrower and my dad as the co-borrower. I notified the lender that was incorrect that my son was not the student and should have never been on the loan, but they ignored me. I tried several times to get this corrected but to no avail. I struggled throughout the years to maintain the loan, but with my dad 's serious health condition it was difficult. In XX/XX/XXXX my dad passed away and I became unemployed. After his passing, I received documents requesting full payment for the loan from my father 's estate. When I questioned the demand for full payment, I was advised that was one of the condition of the loan and this was included in the promissory note. Sadly, I had never receive a promissory note and no one had told me that either. The phone calls continued and both my son and I have been consistently reported to the credit bureau. Recently, I was connected with the Office of Customer Advocate and I was provided with my payment history and an ineligible/fainted copy of signed documents. Along with a few pages of what is supposed to be the promissory note that I should have had. I am in communication with a third party agent who is requesting full payment from my father 's estate and my son and I are receiving several calls daily from the lender.
Consumer complaint received 2020-08-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
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 ) -- OTHER ACCOUNT 1. XXXX XXXX   with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my account.