davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

I've been using my {$100.00} Amazon credit card through Syncrony Bank and paying it off in full every month. I went to use it today and it was declined, when I went to my account page I found out they'd closed my account, with no warning and no reason given. It's completely inappropriate since I've been paying it off in full every single month, and they gave me no communication whatsoever about the closure.
Consumer complaint received 2017-01-05
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NJ)

Someone hacked my Western Union money transfer account on XXXX XXXX 2017. Attempted to do XXXX transactions. 
1 ) The amount {$540.00} and I received notification in email that amount is picked up. 
2 ) After 10 minutes of XXXX transaction there was XXXX transaction for amount {$640.00} was made, however this was rejected by system. 
In both cases country of receiver is XXXX and appears to be done by same person.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

In short someone was able to get into my online banking. They set up a bill pay and sent 5 payment over 3 days to a total of {$43000.00}. No one Not even my wife has my bank info. 

I have attached a .doc that is a time line and explains it best as of the weekend.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bright Capital Inc (OH)

I had bright money has taken money out of my XXXX  account and has attempted to take funds out when I do not know how they got my bank acct info or who they are.I found this site to report since I already tried to dispute with XXXX.I have zero clue who this organization is.I had to go to XXXX to find out somehow this happens to a lot of people, can we say scammers? 
I have NEVER authorized this organization access to my secondary account.
Consumer complaint received 2021-07-01
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. (MD)

Good evening, I am sending this method of complaint due to Equifax, XXXX, and XXXX are not complying with my dispute request. I have sent a letter on XX/XX/XXXX and XXXX XXXX. I have informed them that my first initial dispute was sent on XX/XX/XXXX and my second initial to demand and comply was sent on XX/XX/XXXX. I have yet to have this matter resolved.
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (MD)

fraudulent attempt to collect a debt I do not owe. I notified the company this was a result of identity theft, filed report with the FTC and also filed a police report. MDS has blatantly ignored my requests and is illegally attempting to collect a debt that I do not owe.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

Consumer Financial Protection Bureau XXXX : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccuracies present on my credit report, which have been reported by CONN APPLIANCES , INC . Upon reviewing my credit report, I have identified several violations of federal laws in the handling of my account, as outlined below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite numerous requests, I have not received sufficient documentation to validate the debt they claim I owe. This failure to provide validation directly infringes upon my rights under federal law.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper channel through which I can challenge the accuracy of the reported information, thereby denying me my statutory right to dispute the account.

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. These actions violate my consumer rights and undermine the integrity of the credit reporting process. It is imperative that such unethical practices be addressed to ensure fair treatment of consumers.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This blatant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) constitutes a clear violation of my rights as a consumer.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and take appropriate measures to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against CONN APPLIANCES , INC. for failing to comply with federal laws and disregarding consumer rights. 



Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/year>, I received notification emails from PayPal regarding unusual activity on my account, including an unauthorized transaction of {$1300.00} to a stranger. It's evident someone stole my account and made the transaction. Immediately, I changed my account password and filed a case with the PayPal resolution center. Simultaneously, I connected my bank to reject the payment. However, a few days later, PayPal closed the case, claiming the transaction was not unauthorized. This left my account with a negative balance of {$1300.00}, prompting the collection center to start calling me daily to pay off the debt. I contacted PayPal 's Collection and Resolution center three times. On the first two attempts, they maintained that the transaction was not unauthorized, determined by their risk management model. However, when I inquired whether they had checked if the transaction originated from my usual IP address or device to prove it was not made by me, they could not provide an answer. During my last call, I questioned why I received an initial notification about unusual activity if the transaction was considered normal and authorized. I also highlighted the fact that I had promptly changed my password and opened a case. While the agent promised to resolve the issue, no further action was taken. Despite my efforts, the collection center continued to call me, eventually escalating my account to XXXX.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THESE COLLECTION/CHARGE-OFF ACCOUNTS ARE IN VIOLATION AND NEEDS TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED. 
COLLECTION IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMITS, NO PAST DUE AND NO PAYMENT STATUS. WHEN IN VIOLATION SHOULD BE REMOVED IMMEDIATELY!!!! INACCURATE REPORTING ON DATE OF LAST PAYMENT, DATE LAST ACTIVE 1.XXXX XXXX 2. XXXX 3. ORIGINAL CREDITOR WHICH IS A VIOLATION OF THE HIPAA LAW
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (WI)

My statement dated XX/XX/2020 lists a balance of {$13.00}. XXXX. The current principal balance on the statement is listed at XXXX. When I log in online it shows a principle balance of XXXX as of XX/XX/2020. 

The statement indicates that fees are included in the total balance but this lender is charging me separately for fees with a balance of {$940.00} and they also have not applied any payments that I made to the fees balance on the statement. 

This lender is charging me incorrectly and using fraud billing tactics.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2016-05-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OH)

I mailed XXXX checks to my auto loan bank Wells Fargo. XXXX was for my regular payment and the other was for principal only. The bank applied almost half of the principal only check to payment with interest. When I contacted the bank they said a machine processes the payments. They said They would fix the problem and next time to include a sticky note with my principal only check. My check clearly stated principal only on it and for them to claim robot error, is insulting.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

This collection XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the company that was reporting incorrect information on my credit report and asked them about the collection. I requested validation of debt or anything proving that this collection belongs to me. They said that they couldnt provide me with anything I gave them all the information for riding me and they said that none of the information I gave them match the collection account so they were going to remove this collection because clearly it was a fraudulent collection and they removed it from my credit report and then placed it right back on there
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Re : Account # XXXX XXXX XXXX XXXX I am writing to bring to your attention an issue I am experiencing with XXXX XXXX regarding the reporting of a late payment on my credit report. Despite my efforts to rectify the situation with XXXX XXXX directly, the late payment remains on my record, adversely affecting my creditworthiness and, consequently, my ability to secure a home loan. 

On XX/XX/24, I contacted XXXX XXXX to address the late payment appearing on my credit report. I explained that the only late payment was a result of their system failure, which prevented my payment from posting on time. Despite acknowledging the technical issue on their end, they have refused to remove the late payment from my credit report. 

This situation is deeply concerning to me as it unfairly impacts my financial standing and ability to achieve important milestones such as homeownership. I have diligently maintained a positive payment history with XXXX XXXX prior to this incident, and I believe it is unjust for their system failure to penalize me in this manner. 

I kindly request your intervention in this matter to ensure that XXXX XXXX takes appropriate action to rectify their error and remove the late payment from my credit report. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation necessary to assist with your investigation.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (FL)

In XX/XX/XXXX I switched 3 phone lines from TMobile to Sprint, I was sent a final bill by T-Mobile for {$580.00} that I could not pay at that time. I followed up in XX/XX/XXXX and spoke with manager by the name of XXXX, she stated I had final bill and a phone that was not returned, the phone was returned in XX/XX/XXXX ( I have Drop-off receipt from UPS ). I again followed up in XX/XX/XXXX and was told 'that 's too bad, it has gone to collections '' handle it with them. Southwest Credit System is stating that I owe {$2600.00} without any proof of how that amount can be justified.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Opened>> XX/XX/XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NH)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 XXXXXXXX
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (PA)

HARD INQUIRIES are on my Credit Reports, I did not authorize and do not recognize. 

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 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX XXXX  XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX  XXXX  Date Opened>> XX/XX/XXXX
Consumer complaint received 2016-12-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a negative credit reporting alert from XXXX on XX/XX/2016 that creditor, Capital One has placed a 30 DAY LATE on my credit file. The creditor has posted misleading, invalid, and inaccurate information to the major Credit Bureaus. I received a 30 Day Late Payment ERROR which was created by FAULT of Capital One. I requested the alleged 30 Day Late Debt be validated and proof be provided surrounding investigation of why the XX/XX/2016 payment was cancelled by Captial One. The request was not honored nor has the inaccuracy been corrected.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Amount on the loan is {$19000.00}. A Late payment, which is a transaction was reported on my Consumer Reports with Equifax, XXXX, and XXXX XXXX XXXX Code XXXX XXXX ( A ), under Exclusions. That XXXX XXXX states : XXXX XXXX XXXX XXXX ( A ) ( i ) - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section XXXX of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Late Payment is a transaction, and incurs fees. According to the XXXX XXXX XXXX XXXX XXXX ( A ) ( i ), this transaction is not to show on my Consumer Report.
Consumer complaint received 2024-02-04
Product: Credit reporting 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. (PA)

XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity was compromised even though I am working diligently with credit freezes. There are inquiries I do not recognize showing on my credit report. 
The inquires I listed above were not warranted by me and I would like them to be investigated and removed in accordance with the fair credit report act.
Consumer complaint received 2018-05-31
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. (UT)

I have an account from XXXX XXXX XXXX XXXX Acc # ( XXXX ) reporting on my credit that isn't mine. I've contacted XXXX XXXX XXXX XXXX and they have no record of me or any accounts with my SSN. This is not my account!
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I have been trying to rectify inaccurate information on my credit file with Equifax since XXXX of XXXX. In XXXX XXXX, I received email correspondence with Confirmation # XXXX that accounts that were inaccurate on my file were deleted. In XXXX of XXXX I also received confirmation # XXXX with results of two more deletions of inaccurate information. I have continued my effort in correcting my file with Equifax since then, and they have been very reluctant to provide me with any proof of validation or evidence for the remainder any inaccuracies. I was then placed in the office of Consumer Affairs which then fraudulently placed a Fraud Alert on my file that subsequently relayed to the other two main bureaus. I did not authorize this nor did I ask for it in writing or verbally. They have tried to make it impossible for a consumer to rectify any inaccuracies. They also added accounts that are identical to other accounts and continue to say that is legal. They did not notify me within 5 days of any reinsertion or any reinsertion of previously deleted information. I had a dispute for two inaccuracies on my file with confirmation # XXXX dated XXXX XXXX that was initiated on XXXX XXXX. I received that in the mail on XXXX XXXX, XXXX. There are breaking the law and have not given me a Certification of accuracy of information as stated in FCRA 611 ( a ) ( 5 ) ( B ). They have also never sent me results for the initial two items I disputed which were disregarded in their last correspondence. This is my last goodwill effort to rectify this matter and if these items are not deleted I will be filing suit in my county for the disregard and damage done to my credit file by not following the FCRA and Laws that govern Equifax Department of Consumer Affairs. 
I am also requesting that they take off the Fraud Alert on my account. I am unable to pull a credit score or information from EQUIFAX because they are blocking my file from 3rd parties. I want that taken off Immediately.
Consumer complaint received 2020-05-04
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: Medical Data Systems, Inc. (NC)

I have reached out to Medical Data Systems several times advising them that the collections they are reporting do not belong to me. They have not provided validation of these debts or there investigation methods. The following accounts need to be removed immediately. 

The following accounts need to be removed : 1. Medical Data Systems- Account # - XXXX 2. Medical Data Systems- Account # - XXXX 3. Medical Data Systems- Account # - XXXX
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

I have contacted Equifax on multiple occasions about the removal of a tax lien from my credit report. After conversations with XXXX Equifax representatives I was told the lein wo n't be removed for 7-10 years, even though I have my form XXXX form the IRS that has released and withdrawn my leins. After being told even if I submit the forms that wo n't change anything, I decided to contact the CFPB because this does n't seem fair or correct.