davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (PA)

Card ending in XXXX I never requested or activated reported it lost a year ago my SSI benefits were pending on this card for XX/XX/19 I was sent new card week ago XXXX asked to have my benefits direct deposited on that card I was denied just got it two days they would not close that lost or send my benefits to my new card want me to wait get new card after XX/XX/19 phone be off no food no personal items the direct express refused to do a card transfer to my new card keep lying on phone to me
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (FL)

Original Creditor : City of XXXX XXXX Current Creditor : Penn Credit Corporation Account has been reflecting paid off 100 % since XX/XX/2021, however, it is still showing as a collection on my credit report. The negative information is stopping my ability to obtain and acquire new credit. My request is that this false information is removed. 

Thank you.
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: Experian Information Solutions Inc. (NY)

I have been trying to reach a customer representative from XXXX for the past two months and the call keeps dropping. XXXX XXXX is falsely claiming I have been late on one payment on XXXX of this year and reported it to all 3 credit bureaus having my credit score drop XXXX points. I have auto pay set up on this account from when I first opened this account, I have yet to miss a payment and I have bank statements to prove it. 

I reached out to Experian as well and nothing was resolved after uploading documents on this matter, I am also putting in a complaint as well.
Consumer complaint received 2022-05-24
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: Sentry Credit, Inc. (GA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX have violated my rights! 
Account # XXXX in the amount of {$3600.00} & also, Account # XXXX in the amount of {$19000.00} 15 USC 1681 Section 602A States that I have a right to privacy!

15 USC 1681 Section 604A Section 2 States that a consumer reporting agency CAN NOT furnish ANY account information or personal information without the express written consent and authorization of the consumer! This company has NO such documentation from me!

15 USC 1692 Section 805A States that a debt collector may not communicate with the consumer in reference to a collection of a place known or should be known to be inconvenient to the consumer! 
15 USC 1692 Section 806 Section 5 States that causing a phone to ring or engaging any person in a telephone conversation repeatedly with the intent to annoy, abuse, or harass any person at the called number! 
This company has violated ALL of these laws and several more for an extended period of time. Please Act within the full power and authority of your office and rectify these abuses and violations once and for all!!! 
Thank You XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-07-31
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: SYNCHRONY FINANCIAL (AR)

Hi, My Name is XXXX XXXX. 

I took a master credit card ending with # XXXX issued by Synchrony Bank in XXXX/XXXX XXXX 
I did a spend of approx {$80.00}. I had taken the card at one of the sams club. 

the person who issued me the card took my email address and residential address all wrong. as a result i never got my credit card statement and i was not aware of the due payment. bank reported it to credit agency. 

one day in XXXX/XXXX, XXXX bank called me notifying of missed payment and then I came to know about this pending payment. I got the email address and residential address corrected in their system and i also made the due payment. 

i told bank the reason of missed payment that I never got the statement in email or my address, bank also realized the miss at their end that the contact details were wrong. so they asked the credit agency to take the missed payment off my record. this request bank sent to credit agency in XXXX, XXXX. 

i was told within 60 days the missed payment would be taken off my record. it is more than 90 days and i am not getting any satisfying response from bank on this issue. 

they are not responding correctly and are wasting my time. 
due to this issue my credit score dropped more than XXXX points and i am facing issue getting good mortgage rate and my plan to purchase a home is getting delayed. 

i seek compensation from bank and immediate resolution on this issue please. 

appreciate all help. 

regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
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)

I called the major credit bureaus Equifax, XXXX, and XXXX yesterday. XXXX helped a little but not fully. I was hung up on by Equifax and XXXX while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.
Consumer complaint received 2019-07-31
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. (IN)

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies FCC/XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2022-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-19
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. (NV)

I have contacted all bureaus regarding these fraudulent accounts and inquiries. This is violation of my consumer rights and the ftc, cfpb. The law prohibits all credit bureaus to report fraudulent accounts. all information must report accurately. This information must be deleted immediately. This has dropped my score XXXX points.
Consumer complaint received 2022-02-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (OH)

XXXX. The company has refused to comply with my debt dispute letter and request to validate the alleged debt with documentary evidence including all GAAP requirements. 
XXXX. The company has also failed to comply with the consumers right to rescission pursuant to 15 USC 1635 ( b ). 
XXXX. The company has violated the FDCPA by continuing to collect a debt after the alleged debt has been disputed. 
XXXX. The company has violated FCRA by reporting negative items to a third party reporting agency without validating the alleged debt lawfully. 
XXXX. The company has violated the consumers privacy rights by continuing to harass the consumer via XXXX XXXX attempting to collect a debt that hasnt been validated.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (TX)

In XXXX my Wisely account was compromised. Between XX/XX/XXXX - XXXX, a large of money was withdrawn, including a payroll check transferred directly from my direct deposit. The monies were transferred and deposited into an unknown account without my knowledge or permission. Approx. {$6000.00} was withdrawn and {$210.00} was left in my account. I immediately contacted wisely. That account was closed and a new card/account was sent with {$2200.00} approx. two weeks later. The process stated early on by customer service was that a time sensitive resolution letter would be sent within 7-10 business days for my review of account status and further account decisions. No letter has been received. Yet now ( today in fact ) customer service states account shows to be resolved. When I continue to call customer service within 7-10 days about not receiving resolution letter within 7-10 days, now its an email has and will be sent. It has been escalated to our... department. We had the wrong e-mail on file. An email will be sent within XXXX hours. An e mail will be sent within XXXX hours. Hanging up with no callback ( today ), etc. and so on. Tiring and taxing. The customer service interaction is frustrating, blatant lies and regurgitated inactions at this point. The only reason I keep reaching out to them is to keep a log of my actual contact attempts to have this financial dispute properly resolved and in a reasonable and professional fashion. However, this is not the case on Wisely 's behalf. Please help. 

My question is, ( besides where is the rest of my money ). How is $ XXXX resolution for a {$6000.00} compromised account transfers? And which part was resolved? What date? The math surely doesn't add up one way or the other as to what has been resolved. 

The website on wisely states that our money is FDIC insured. Wouldn't there be proper customer communication efforts were this true? I'm amiss and lost to this company 's process and behaviors. 

Thank you.
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: XOOM CORPORATION (PA)

I did two transactions with XXXX and xoom for XXXX each, the first one went through, then the second one didn't, when I asked them why XXXX blamed it on xoom and xoom blamed it on my bank. The money is missing and they belittled me when I called them three times. I want my money and they won't answer me too where it is, and some transactions were wrong and they wouldn't listen too me, they repeated everything I said too them back to me
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc. (NC)

My complaint is against the The Bureaus Inc. They are falsely representing themselves as a debt collector & attorney on my XXXX credit report. By doing so they are in violation of Federal Credit Reporting laws that prohibits a debt collection from falsely representing themselves as attorneys. They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''. 

They are also still in violation of the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE 58-70-01 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of StateXXXX As of today " The Bureaus Inc '' does not have such bond listed with the NC Secretary of State. 

They are also in violation of NC. GENERAL.STATUTE.58-70-50 which requires a collection agency place its permit number, true name and address to all correspondence sent to the debtor. They failed to include their permit number on their correspondence dated XX/XX/22, and this is a clear violation of NC debt collection laws. 

I am attempting to resolve this issue with them, if they do not remedy this egregious violation by removing the negative tradeline from all three credit bureaus, I will be seeking all legal remedies available to me in this matter. 

I'm attaching a copy of my XXXX report showing them falsely claiming to be attorney 's. I'm also attaching a copy of their website that shows they are not attorneys. And I am attaching a copy of the correspondence they sent to me that does not have their permit number on the correspondence they mailed out, which is required by law in North Carolina.
Consumer complaint received 2022-02-08
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. (NY)

XXXX XXXX card is reporting to XXXX XXXX is reporting the account is closed. It can not be updated to active because it's closed. 
XXXX XXXX XXXX is reporting said account on XXXX XXXX XXXX
Consumer complaint received 2022-02-08
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. (CA)

I am reaching out to report a Fraudulent Credit Card account with XXXX  XXXX XXXX ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files, since I have already tried to dispute it with the Credit Bureaus and they have failed to take action. 
This account was not opened by me and I never consented to a Credit Card with XXXX  XXXX XXXX. I called XXXX  XXXX XXXX regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at XXXX XXXX XXXX XXXX  XXXX XXXX informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the XXXX  and XXXX of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you for your assistance! 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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. (NC)

XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-02-08
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: CITIBANK, N.A. (MD)

I have Citicard and in XXXX I decided to use my total cash reward payment towards my monthly payment. Under Redeem Now the options are : convert to points, statement credit, direct deposit or mail a check. I decided to use it towards statement credit. I submitted this before the 8th which is the due date. A few weeks later I get notification that they did not get payment. Instead I called customer service and explained what I did and theyre telling me it doesnt count towards your balance. I was also assured I would get mailed the documentation, which I demanded, but never received as customer service is outsourced. Upon closer examination it says in small print that by choosing statement credit it will reduce your amount owed but it is not considered a payment. This does not make sense and they should have made this information stand out more and because of this policy now my required monthly payments are larger ( over {$300.00} ) when I cant afford larger payments. I have a friend who has a high position in XXXX XXXX and was recommended to report this as deceptive and stated they need a better way to inform consumers about statement credit.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (LA)

On XX/XX/21 my XXXX XXXX XXXX balance was PAID IN FULL online. On XX/XX/21, a {$2.00} " interest charge '' was charged on a ZERO balance, which is arbitrary and fraudulent. This charge was discovered on XXXX thanks to credit reporting apps showing my payment was " late ''. I immediately paid fraudulent interest and disputed via customer service call with XXXX XXXX XXXX. The money was refunded/reversed to me but there is still a derogatory remark on my credit. Me and my mortgage company received a letter refusing my dispute.
Consumer complaint received 2022-02-08
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. (TX)

FCRA VIOLATIONS : SEE ATTACHMENTS : NOT MY NAME : XXXX XXXX NOT MY ADRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT MY INQUIRIES : XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX NOT MY ACCOUNT : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$47000.00} written off. 


XXXX XXXX XXXX Account Number xxxxxx XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX Months Reviewed 19 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$24000.00} Credit Limit {$0.00} High Credit {$47000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX
Consumer complaint received 2022-08-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (LA)

I received a final loan modification on XX/XX/2022 and have continued to make timely payments. I returned the signed and notarized final loan modification documents and I have not received from the bank a signed copy of the final loan modification for my records, which I have requested. The only access we have to our account at this time is to view it online and it has not been updated. We are not able to make online payments, only by phone payments. It is my fear that the loan modification has not been properly entered into Truist 's system and I am not being credited properly. I am in fear of losing my home and have done all that was requested of me and my family to keep my home. I require immediate resolution of this situation.
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 — Account information incorrect
Company: EQUIFAX, INC. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these alleged debts by providing me with a contract bearing my signature and the documentation allowing them to purchase my debt from the original creditor. I have never given anyone permission to purchase my debt nor do I have any knowledge of these accounts. Please review the attached accounts.