davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

Due to confusion with prior unauthorized accounts opened by Wells Fargo reps in order to boost company profits, my current accounts including checking and savings have a block on them with identity theft dept. The confusion stems from numerous calls made yesterday attempting to reach remediation dept for unauthorized accounts opened in the past by Wells Fargo reps which date back several years. I attempted to resolve hold with identity theft dept, their reps requested I go into a branch after explaining the confusion, in which case I am unable to get to a branch and requested the accounts closed ASAP, the reps including a rep in Wells Fargo executive office referred me again to a branch and as I explained again, can not get to a branch. Previously, I offered to email or fax documents they request but they insist I go to a branch in person. I then requested to close the accounts, however, there is two pending transactions, one of which is a hold on the amount of {$270.00} from a mobile deposit made on XXXX, the other is a debit card purchase in the amount of {$22.00} to XXXX XXXX made on XXXX I believe. According to a Wells Fargo rep named XXXX, accounts can not be closed due to these transactions and insist I go to a branch.. Since I can not get to a branch, it appears I need to sue Wells Fargo for funds owed, unless Wells Fargo will cooperate by removing hold and refunding balances, once pending transactions clear.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (RI)

I was given an involuntary, unwanted upgrade on a rental car, resulting in a surprise, unauthorized additional charge on my credit card. Chase Bank says that because I received the service of the upgrade, even if it was involuntary and with no notice of approval of any additional charge, I am prohibited from disputing the charge. Moreover, the merchant effected fraud by purporting to show a document with my signature ; in fact, I made my signature on an electronic device that did not display the terms of the document the merchant produced. Chase likewise prohibits me from disputing the transaction upon this fraudulent representation of approval.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom this may concern, I've recently noticed fraudulent activity on my credit reports ( XXXX, XXXX XXXX Equifax ). What has been reported, has led me to believe that I may be a victim of identity theft, as I did not approve nor authorize any information to be used in my name, social security, and/ or attending any college/ University, etc. I am requesting that this fraudulent item be deleted from my credit report at your earliest convenience. I've placed a security freeze on my credit which should alert me proper to my information being used toward this account. This fraudulent item is reporting inaccuracies which are negatively impacting my relationship with numerous creditors, as I am in the process of buying a car. I have reported the theft of my identity to the Federal Trade Commission and would this item to be removed from my credit report immediately. Please review the enclosed copy of the Federal Trade Commission affidavit regarding this fraudulent account. Thank you!!
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MD)

CITIBANK MY CREDIT CARD COMPANY FOR BEST BUY, I AM A BIT BEHIND BUT I HAVE SPOKE WITH SOMEONE THE FIRST TIME THEY CALLED, BUT EVERY DAY I GET MORE THEN XXXX CALL PER DAY AND SOMETIME THEY DONT EVEN SAY ANYTHING. CITIBANK OUT SOURCE THEIR WORK SOMEWHERE IN XXXX OR XXXX YOU CAN BARELY UNDERSTAND THEM. BUT I TOLD THEM MORE THEN ONCE STOP CALLING ME MULTIPLE TIME I HAVE ALREADY SPOKEN TO SOMEONE. BUT THE MANNER STILL CONTINUE
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have sent the XXXX XXXX to the department of education and XXXX for the past year to resolve wrong information and the removal of my student loans. 

I am a XXXX XXXX and under the Americans with Disabilities Act this information needs removed from my credit file. My loan was also over 7 years ago.
Consumer complaint received 2022-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2021 XXXX XXXX XXXX Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I filed a dispute with Equifax - from my understanding complied with the terms of my dispute and updated my credit file. The issue has now become I do not have access to my updated credit score, nor my updated report showing the new report after the completed disputes. Every time I call in to get an updated score or have a report sent to me they try to sell me credit monitoring and other services to show me my report. Due to the nature of the dispute I should be able to see updated information using their free login once everyday.
Consumer complaint received 2022-07-29
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)

In accordance with the Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

I already sent you a letter via certified mail regarding some unfavorable information on my credit record,. However, your organization neglected to remove accounts that are unverifiable and not associated with any of my addresses, so how are these accounts verified? You failed to remove and delete the disputed items.
Consumer complaint received 2022-08-09
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BROKER SOLUTIONS, INC. (CA)

The company, New American Funding, received funds and held them for payment without applying to mortgage payments owed ( XX/XX/XXXX ). Company did not process borrower assistance packet at all ( XX/XX/XXXX through XX/XX/XXXX ). Misrepresented actions they would take when processing the borrower assistance packets, specifically not reporting derogatory information during delays in processing by the company ( Company placed home in pre-foreclosure after complete borrower assistance packet had been received and before being processed ( XX/XX/XXXX ). When consumer disputed credit reporting, late payments and pre-foreclosure notice, the company took more than 30 days to deliver a response ( XX/XX/XXXX ).
Consumer complaint received 2022-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (NC)

I Applied For A No Credit Check Loan With Acima To Have Repairs Done On My Car Back In XXXX Of XXXX. However, This Company States On Advertisement No Credit Check But They Reported This Loan On My XXXX Credit Report Which I Wasnt Aware Of Until I Pulled My Credit Reports. Ive Used No Credit Check Companies In The Past And Nowhere Did They Ever Report To Credit Bureaus As Advertised No Credit Check. Also, I Caught XXXX Twice And This Company Has Milked Me Out Of Tons Of Money Every Time I Had To Change My Payment Dates They Increased My Payment Weekly. I am a retired single woman and Had To Stop Making Payments On This Account As Of XX/XX/XXXX Because The Representive Never Told Me I Had To Now Pay {$110.00} Per Week Until My Lease Is Up As Of XXXX of XXXX. These companies Shouldnt Be Allowed To charge consumers all this interest On items as they do if the items isnt paid off within 90 days but a reasonable Amount Of Interest Sounds Fair. I stopped payments with my bank as of XXXX of XXXX because after they reviewed the call, they realized the Representive didnt inform me of the increase payments for like the 3rd time that I had to change my payment due dates.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (OR)

In accordance with the fair credit reporting act, TD BANK USA/TARGETCREDIT # XXXX has violated my rights. 

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

15 usc 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

16 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-03-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Redfin Corporation (VA)

The complaint is about XXXX XXXX XXXX and its website posting an unauthorized, privacy-violating, and inappropriate picture of my home. 

I received an email on XXXX, XX/XX/2022, at XXXX XXXX  from XXXX that shows an unauthorized, privacy-violating, and inappropriate picture of my home showing an open garage, vehicle, and person. I went to their website and typed in my address and the same picture is populated. I am the homeowner and I have not established a service with XXXX to show my home. Therefore, I want them to remove all unauthorized, privacy-violating, and inappropriate pictures ( s ) of my home including but not limited to persons and vehicles. 

Coincidently, while filing this complaint, I went to zillow.com and the same picture is on its website, and now I fear for my safety. The same revealing photo of my home has been uploaded to other websites ( s ) without my consent.
Consumer complaint received 2022-01-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

On XXXX XXXX I paid off my vehicle with Hyundai Motor Finance. I called the company to inquire the process for the receiving my title. I was to that the lien release would be processed in 10 and to call back on XX/XX/XXXX to verify it had been processed. I was also told that Florida was an electronic state and they would receive the lien release and title. 

On XX/XX/XXXX I returned the call to Hyundai and was told the lien release had been processed and I also requested that a copy be mailed to me. 

On XX/XX/XXXX, I called the DMV in Florida to verify that they had received the release and to find out what I needed to do to secure my title. I was told by the representative that the system showed that my title had been sent electronically to Georgia per the lien holder. I immediately hung up and called DMV in Georgia. I told that Florida had advised me that the title was sent to them electronically from the lien holder, Georgia advised me that they are not an electronic state and that upon reviewing my file with I needed this corrected immediately as I was moving from Florida in approximately 2 weeks and did not have 30 days to process a lost title per DMV in Florida. After going round and round with Hyundai and not being able to speak to the title department directly a manager basically said the same thing with no resolution to correcting their mistake of sending the title to an address that was not correct, I finally contacted Florida again to see what could be done as I was leaving Florida in 2 weeks. The representative said the title had been mailed and I could do one of two things, ( 1 ) I could wait and file a lost title or could come have them print another copy. I went to DMV on XX/XX/XXXX to get a printed copy and was told the cost was {$85.00} ; given my relocating and not being able to come back to Florida in 30 days I paid to have the my titled printed. 

When I got home I called Hyundai back again advised them of what I had to do to repair their mistake, as always they verified the they sent the title to the wrong address and that the had to send an email to the title department. I advised them I needed to speak to someone who could issue a refund of my {$85.00} to cover their mistake with my title, I was placed on hold for approximately 5 minutes, The rep came back and said based on your payment history, I immediately stopped her told this had nothing to do with a payment history and that I wanted a refund for having to pay for their mistake she states that they would not refund me the {$85.00} and hung up.
Consumer complaint received 2021-06-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

90 Days ago, from XX/XX/XXXX til this day, I am waiting for investigation letters from the bureaus about the MBA LAW account that is a HIPAA law violation, that is reporting on my credit report and I asked for it to be removed.
Consumer complaint received 2021-06-04
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 on XX/XX/XXXX I understand that I violated some of their policies however I followed the 180 days hold of the funds which I have on their website.the XXXX $ which was my pay! back on XXXX, then the email of eligible to withdraw the funds came on XX/XX/XXXX which is 180 days, it was early for some reason i don't know why. Then I don't want to withdraw the money yet I wan na create my own bank account first i wan na get things right, so until now XX/XX/XXXX I got my bank account and tried to withdraw my funds so happy and excited, I still cant withdraw it my account is still lock to the teeth, even in their email says for I am able to withdraw funds not just transfer and send money. so please help me, this is so long, I tried emailing them they just sent me a automated one. this is so frustrating. My email linked is XXXX.
Consumer complaint received 2022-09-25
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: Experian Information Solutions Inc. (IL)

I sent the letter on XX/XX/2022 to Experian XXXX XXXX and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law 15 USC 1681i procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute information or delete the item from the file in accordance with paragraph five before the end of the 30 day period beginning on the date which the agency received the notice of the dispute from the consumers or reseller
Consumer complaint received 2022-03-28
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. (IL)

I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-06-04
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: EQUIFAX, INC. (TX)

Ive disputed with the original creditor XXXX XXXX XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks
Consumer complaint received 2022-09-25
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. (MO)

The credit reporting agency has been notified multiple times that these accounts should be removed from my credit report. These accounts are fraudulent and erroneous. I have been denied CREDIT, HOUSING and EMPLOYMRNT due to this erroneous information. 

US DEPARTMENT OF EDXXXX XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX cc : XXXX XXXX, XXXX
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-09-25
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. (MO)

The credit reporting agency has been notified multiple times that these accounts should be removed from my credit report. These accounts are fraudulent and erroneous. I have been denied CREDIT, HOUSING and EMPLOYMRNT due to this erroneous information. 

US DEPARTMENT OF ED/ XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX cc : XXXX XXXX, XXXX
Consumer complaint received 2022-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Paypal deposits daily XXXX XXXX 11 months. Only to be denied all ise of paypal funds. As i contiue to watxh 3rd party complanies as Venmo, And transfer company moving funds that i am told are unaceesible or unavaible. I have thosuamd of proof
Consumer complaint received 2021-06-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I tried to make an online deposit to my savings account and was not able to. I called customer service and was told the bank ( Chase XXXX closed my account and was not given a reason nor notice of the closing until my call. This occurred yesterday, XX/XX/XXXX, XXXX my balance in the savings account was {$13.00}, XXXX when the bank closed it. I called the bank and they refused to tell me why. I believe it was discrimination.