davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

This collection company is called XXXX XXXX XXXX IN. The original creditor is XXXX XXXX Apts XXXX. This agency continues to violate my fair credit reporting act.By continually reporting different amounts owed. Please help me on this matter. My next step after this resolution is to seek counsel
Consumer complaint received 2022-08-24
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. (TX)

To Whom It May Concern : I recently sent you a request to reinvestigate incorrect items which you reported to the credit agencies. You ignored my request. 

Federal law requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days and the items remain on my report : XXXX  XXXX XXXX I will assume that I have not received your reply because you have been unable to verify this information. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MI)

I called into the call center and made a payment arrangement to pay off the balance in full. I requested a payment to run for XXXX on XXXX  XX/XX/22. Because this would have fallen on my payroll date. I requested the payment to be taken out on my Checking account. Instead they processed the payment on an earlier date XX/XX/22. I called the customer service number XXXX. I advised them of the payment coming out of my account early and I advised that I was also charged a XXXX return check fee from my back. This has over drafted my checking account. They were not interested in making this right and proceeded to advised me that they want payment and would not refund me the full payment and would not be giving me the XXXX I was changed because of it. This is putting me into a hardship situation. The money I did have in my account was to pay for the temporary housing I'm currently living in. Without this money I will be homeless. I'm wanting the funds refunded to me ASAP. I also want the XXXX that was taken early and the XXXX Nsf fee charged by my credit union refunded. As well has any other charges that I may incur because of the mistake. I'm requesting that this item be deleted from my Credit report. Also I'm requesting Wells Fargo bank to Cease and Desist.
Consumer complaint received 2022-12-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (GA)

There is an administrative fee added into the amount financed, which is improper and will result in interest being charged on the administrative fee amount over duration of the loan. For this reason I am rescinding my signature on the contract. This error is in violation of US Codes on Consumer Credit Transactions.
Consumer complaint received 2022-12-23
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-08-24
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: DISCOVER BANK (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my Rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose,
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I went to the Bank to close my deceased sister 's checking account, with a balance of {$400.00}. I was told I needed to schedule an appointment with a personal banker. I scheduled for the following XXXX  and met with XXXX XXXX. I presented a signed and notarized Affidavit for Collection of Personal Property ( MN Statutes XXXX ) I presented a death certificate and even the signed will. Wells Fargo refused to close the account, stating I needed to file the will with the courts. I called XXXX back and left a voice message requesting that Wells Fargo explain what part of the MN statute was not being followed. XXXX called back stating that he had managed to get the legal department to " make an exception '' for me and they would close the account, I just needed to return to the bank and complete the process. I returned on XX/XX/XXXX, ( My third visit to the bank now ) and met with XXXX XXXX. She was familiar with everything. She phoned the service center to have the locked account released, and again they refused to unlock the account. They would not accept the affidavit. XXXX explained over and over that this had already been cleared. It took over an hour of arguing with the service center before they relented and unlocked the account. I went to Wells Fargo with clear direction from a paralegal that works estate settlement. I had completed all the information correctly and yet Wells Fargo repeatedly refused to follow MN law. I fear that most customers would be forced to endure lengthy and expensive delays because Wells Fargo, by design, refuses to allow money to be removed from their control without the longest possible delay.
Consumer complaint received 2022-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal Closed My Account For No Reason and will not help with getting it back up and going. i am not sure if this is a mistake as i assume it has to be. i have not been able to get help from them, i just understand i could file a report on here as i find they are not doing their job properly and it is effecting me great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (IN)

On XX/XX/XXXX, a phone call from a company that pretended to be Enhanced Recovery Company ERC - a debt collector called me Another phone call from the same number came on XX/XX/XXXX. This time I did answered, and the voice asked if my name was XXXX which I responded with a question, who are you? the person asked me if I've had bought or acquired in the past a vacation plan I did reply, I'm not interested on vacation plans and finished the call On XX/XX/XXXX, I did call the real ( legally authentic ) ERC, to get answers on their phone call. The ERC rep stated that they do not have anything on me. No reported collection or anything. So, it was a scammer call pretending to be ERC Immediately, I contacted an identity protection company, which helped me to place a " Fraud alert '' on my credit. 
Please advise on anything else I can do on this situation Thank you.
Consumer complaint received 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Unisa, Inc (OR)

Credit report showing account is delinquent 90 days Electronic payments made {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$75.00} XX/XX/XXXX, {$75.00} XX/XX/XXXX, and {$75.00} XX/XX/XXXX.
Consumer complaint received 2022-08-03
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. (CA)

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, all has violated my rights. 

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

15 U.S.C 1681 Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NC)

Opened and account with Wells Fargo XXXX XXXXXXXX? Went as far as depositing some money into said account. Never received an ATM card or any information regarding the account. Nothing, just money lost. There were also numerous times when my Wells Fargo account was charged excessive overdraft fees. Would check online via banking service, enough funds would be present, then when the purchase was executed, there would be a negative balance and overdraft fees on several items that weren't properly applied to the amount shown on banking app.
Consumer complaint received 2022-08-03
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. (LA)

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2023-01-25
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)

THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM MY FILE 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 2022-12-23
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: EQUIFAX, INC. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (NM)

On XX/XX/2022 I noticed a big change on my credit score via the XXXX XXXX. A fraudulent account had been opened under my name and social security number for the credit issuer " XXXX XXXX '' the account # is XXXX. A XXXX XXXX purchase was made with it and it is currently over 60 days past due. I never placed any order nor did I open the account sign or date. I made contact with XXXX XXXX ( Loss & Prevention ) for XXXX XXXX via phone at XXXX to dispute the account and they have now marked the account as fraudulent.
Consumer complaint received 2022-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TN)

A late fee was applied last month. I paid the late fee with the note on XXXX XXXX. My next note is due XX/XX/XXXX, however a late fee is still included for the month. My interest rate balloons upward of 27 %. I've had the car two years and only about XXXX went to the principal. I have called several times to address both. They say the money will be applied properly and it normally takes two or more calls for them to make corrective action. I was also told they do not refinance.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (IL)

US Bank is currently running a scam to increase new credit cards acquisitions without having to pay out the advertised points. 

Here is some background about my personal credit worthiness. This is relevant to the scam. 

My credit score : close to 800 My annual salary : $ XXXX My credit utilization : 6 % Number of missed payments : 0 years of credit history : 9 Annual rent/mortgage payment : 0 US Bank currently has a promotion where if you spend $ XXXX you will get {$500.00} in points ( lined bellow ). This sounds good to the new US Bank customer so they go ahead and apply for the card. Here is the catch. US Bank will only give you a {$500.00} credit limit. This means that you need to spend EXACTLY {$500.00} a month every month for 4 months in order to actually claim the bonus. The problem with this is, there is no item you can buy that has an even number without any change. So lets say you end the first month at {$490.00} what would you charge to your card for exactly {$2.00} with no change. Even if you go to XXXX and get a XXXX it will be {$2.00} which would go over your credit limit which would decline your card. US Bank knows this and are profiting off of unsuspecting customers. How do they give someone who makes a XXXX XXXX a year with perfect credit history a {$500.00} credit limit. They are clearly trying to take advantage of their customers. Even if they had given me a {$500.00} credit limit then that would be enough to at least go a couple dollars over the {$500.00} a month to be able to claim the bonus points. But no, they made it exactly {$500.00} to ensure the majority of people are not able to actually spend enough to claim the bonus. Again, I have PERFECT credit history with a score close to 800. I have 6 % utilization and a $ XXXX salary. My first credit card ever was when I was XXXX. I worked a minimum wage job and had no credit history. I got a credit card through XXXX that had a higher credit limit than this US Bank card. They are clearly scamming their customers. This is fraudulent behavior. 

I called the company and voiced my complaint multiple times and they told me they cant do anything for me. They said I would have to wait 6 months for a credit line increase ( conveniently after the promotional period ends ). I will never bank with US bank ever again. 

Link to fraudulent promotion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (CA)

i went to a dealership to ask about a car and now i have all these hard inquiries on my credit that i did not XXXX for XXXX XXXX BANK XXXX XXXX XXXX OF XXXX
Consumer complaint received 2020-01-18
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: The Bureaus, Inc. (TN)

I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : THE BUREAUS # XXXX**** XX/XX/2017 {$500.00}
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX took over a 2 old XXXX XXXX account. CRA continues to say that the information is correct and it is not. The accounts were charged off in XXXX ; however, the account history doesnt show any payments from 7 years ago. It starts in XXXX This loan was opened in XXXX. 

I have requested that the CRA not use e-Oscar system and provide last date of delinquency. This account should show all payments from XXXX until XXXX. The loans were both opened in XXXX. My grandmother is also a borrower and co-borrower and her name is XXXX XXXX. The account needs to be updated to reflect the payments. If not, it needs to be removed immediately.
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Millco Management (FL)

I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

An unathorized wire transfer in the amount of {$4500.00} ocurred and the bank is denying to refund me the amount claiming that I did not take the necessary steps to protect my account. Its the bank who failed to protect my account. I contacted the bank within 5 minutes of this transaction occurring since they notified me themselves of this transaction. I have provided a police report, an FBI report and all the neccesary documentation and they have denied my claim three times. I dont know what else to do please help. This is through Citibank.
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (FL)

Hello I have had an issue where my wallets is lost or stolen and my cards was used without my knowledge to purchase items at an XXXX XXXX. I really dont understand how someone can use my actually card with the pin. I talk this situation with Robinhood and nothing was done about this transaction issue. This is unauthorized transaction and this is a very urgent matter I need my hard earn money. There was XXXX XXXX  transactions in the amount of {$1900.00} also in the amount {$2600.00} and last unauthorized transactions are {$2900.00} from Robinhood