davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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. (AL)

My vehicle was a voluntary repossession in XXXX. The company has continued to report late payments and repossession status on my credit for at least the last 24 months. The same company has also recently and fraudulently pulled my credit as it was done without my consent. There is an inquiry on my credit report from them dated for XX/XX/XXXX. The vehicle was returned to them in XXXX. I only consented to have them access my credit during the application for the auto loan in XXXX. No there time have I ever consented to them accessing my credit. The fraudulent activity has had a negative impact on my credit for the last 4 years. In addition to the items list above, the balance listed on my credit is also incorrect as the vehicle has been sold in an auction in which the company was able to recuperate a portion of the balance of the loan.
Consumer complaint received 2020-03-08
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: LEXISNEXIS (NY)

There are several inquiries on my report that I did not manually create nor authorized. Under the FCRA they must be removed if no evidence has been provided. I have demanded they be removed immediately since they were made without my permission.
Consumer complaint received 2022-03-16
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-08-03
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: Resurgent Capital Services L.P. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (TX)

I discovered last month, XXXX XXXX, that my checking account has been withdrawn in the amount of {$110.00} every XXXX of the month since XX/XX/XXXX, by Synchrony XXXX for a loan. Each of these transactions states Synchrony Secure and type as loan. There is a trace number as well. I confirmed with Synchrony Secure ( XXXX ) on XX/XX/XXXX I do not have an account with them when they searched my SSN in their system. I have never co-signed for anyone either. The only assistance a representative of Synchrony XXXX could provide was to take my information down and forward it to their Fraud Department. It will take up to 90 days for them to investigate my reporting. 

Can my debit trace numbers be used to track what account and for who my checking account is being withdrawn the monthly {$110.00} amount? 

Thank you in advance for your assistance. 

XXXX XXXX
Consumer complaint received 2022-03-15
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: DISCOVER BANK (NY)

Hello, This charge was a fraudulent charge. I am a victim of identity theft with an ongoing police investigation. ( If a case number and or the lead detective are needed, I will be willing to share them upon request ). 
Immediately a dispute followed with Discover card. Was denied based on " documentation sustaining the charge to be valid '', documentation todate not revealed to me- the consumer and victim in this case. Reached out the 2nd and 3rd time. The re-denial is based upon the same information ( without gathering new information from the vendor as necessary upon re-opening the dispute ). My understanding is that, the first communication from the initial charge has been used by Discover over again to their leisure to determine the approval or reversal of this fraudulent charge. 
It is very disrespectful to be ignored and my case disrespected by Discover. 

Thank you for your help with this dispute. 
XXXX XXXX
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-06-09
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)

Equifax has sent me mail stating In order for them to block information from my credit report that an FTC report ( identity theft ) report must be submitted. I have submitted my FTC report many times to them. Please delete this account immediately.
Consumer complaint received 2022-03-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have been paying my private student loans since XXXX but I thought enrolling in a lower interest program was helping me but what was happening was the capitalized interest was simply being added to balance. I have tried consolidating these loans but because they are private they do not qualify. And other lenders are not will to give me a {$60000.00} loan for these. Basically even with my payments all these years my balances have not gone down very much and most of them say estimated payoff dates of year XXXX and XXXX. I have also applied for discharge for schools that are no longer accredited ( XXXX and XXXX ), which many of these loans are from, and of course they never qualify. I feel like I am being robbed and will never pay these off. I wish I had never gotten these loans and the truth is I don't even think any of the classes were credited towards my degree. I have reached out to the servicer and all they do is tell me my payment history and federal student aid refers me back to the servicer. I never thought these loans would be this terrible and never ending. Aside from that the interest has risen up to 8 % and even 10 %. 

I am providing a loan detail sheet from the servicer from XX/XX/XXXX and then one from XX/XX/XXXX and you will see how little the balance has gone down. It also has the whole payment history for your review. 

I am also including the discharge applications and denial letter.
Consumer complaint received 2022-03-15
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 XXXX  XXXX Account number : XXXX, XXXX XXXX/XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account XXXX, XXXX  Account number : XXXX, XXXX XXXX & XXXX Account number : 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.
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I have a paypal cash plus account. I had directed my social security XXXX payments to be direct deposited to my paypal account. 
My paypal account had an " alleged '' negative balance of XXXX. Fine. On XX/XX/2020, Paypal put a " temporary limitation '' on my account to " verify my idenity ''. 3 seperate times over the past 3 months i have submitted multiple copies of documents including : State ID card, bank statements, debit card statements, proof of address. 
On XXXX XXXX I again submit copies of requested documents. Received an email from paypal stating my documents were being reviewed and I would receive a response via email. 
A direct deposit of XXXX from the social security administration treasury department posts to my paypal account on XX/XX/XXXX. 
Paypal removes the alleged XXXX owed and unjustly puts a " permanent limitation '' on my account to where I apparently can not use XXXX anymore and they will hold my funds for 180 days. I made 20 phone calls to paypal on XXXX XXXX and no one could tell me why my account was permanently limited and why i couldn't withdraw my social.security XXXX benefits. I begged, and explained that I had submitted all necessary documents, my balance was current, and that I am XXXX and only receive this money once a month. That I have a XXXX year old and XXXX year old that are starving and I have no money. I explained that my bills are due on the 1st of the month and are already late. Yet not one representative could explain why my documents i submitted hadn't been reviewed, why I can not use my paypal account anymore and why they would be witholding my money for 180 days ( 6 months ). 
5 seperate phone calls.on XX/XX/2020, exceeded 45 minutes each. I have gotten no response, no explanation whatsoever. I can not wait 180 days to withdraw my own money. I owe nothing to paypal. I was also informed by a representative that my account was permanently limited only 3 hours after my  direct deposit was posted to my paypal cash plus account. For what reason? Paypal will not answer. 
.
Consumer complaint received 2020-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (FL)

My XXXX  job submitted my payroll to be in my account for today. My bank is denying it and hiding it from me. I get all of my other deposits, and they are denying me my payroll deposit. Fraudulent bank activity and organized crime.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I sent a letter on XXXX, XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$55.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A capital One 360 account was open and after months of reaching out, they accused my mother of opening an account in my name without my approval. My mother doesn't know nor does she have any of my information. Their support staff team are very rude and disorganized. It seemed to had been added to my credit as well. They claim money is due on the account. They do not call back after stating they would have a supervisor give me a call. I've tried calling everyday for three weeks straight and it is always some type of accuse as to why I have to wait for a callback. No one gives me any reason as to why I haven't received a callback.
Consumer complaint received 2020-03-05
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: Exeter Finance, LLC. (PA)

( 4 ) XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) Exeter fin ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX All hard inquiries showing on my credit  report
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/22, I went to the Chase Bank located at XXXX Main XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. To deposit and get cashback from my work check. The total amount for my check was {$1600.00}. I told the teller that from my check I wanted to deposit {$860.00} to my checking account and {$790.00} cashback. The teller made a mistake and he did the transaction backwards. He thought I wanted {$860.00} in cash and {$790.00} as deposit in my checking account. When he notice his mistake, he changed it and he told me that he was going to do all over again. The teller did give me {$790.00} in cash and I pressed the green button that {$860.00} were deposited on my checkings account. 
On XX/XX/22, my husband noticed that the bank did not deposit to my checkings account my {$860.00} but the bank took that amount from my account. That day we drove to the bank and I spoke to a floor person named XXXX and he went to talk to his supervisor XXXX XXXX who told him that it was the bank error and the {$860.00} were going to be deposit to my account in the following days. 
On XX/XX/22, my husband noticed that the bank instead to deposit the {$860.00}, Chase took an extra {$790.00} making a total of {$1600.00} that the bank now owe us. I requested time-off from my work to go to the branch again and I talked to the same floor person XXXX and his supervisor and they told me exactly the same thing, they will check and they call me ; however, they never did. 
On XX/XX/22, we noticed that Chase deposit {$790.00} into our account but they took {$860.00}, making a total of XXXX that now Chase owe us.Once again I came to the branch and nothing was resolve. 
On XX/XX/22, we received a notification that our account was overdraft as Chase took extra {$790.00} from my checking account and left it empty with overdraft charges and taking extra more money. The total as now is {$2500.00}. My husband and I went to the branch as early as the branch opened and talked directly with the manager XXXX XXXX who with an attitude told us that she checked our account yesterday and they are still working on it. The manager said that she was going to keep working on my account so we told her we are not leaving until we get our money back today. The manager went to the back of the branch and we were waiting for over an hour until she sent someone to tell us that it was going to take longer and we can leave and she will call us. At this point nothing has been resolve. I am late with my payments which the {$860.00} were going to cover those bills, I am overdraft in my account, I have XXXX dollars in my account, my husband and I had to request time-off from work again to go in person to talk to the manager branch, waste gas money, time, stress and the bank is not helping but all the contrary.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (AZ)

As we all know what is going on in XXXX and how XXXX people are suffering due to XXXX aggression against XXXX. Governments and people around the world are trying to help XXXX people in need who were forced to flee their houses and their cities, leaving everything behind. Same happened with my friend and his family of XXXX kids, who had to flee XXXX and move his family to XXXX part of XXXX for safety. On XX/XX/XXXX I sent a wire transfer from my Wells Fargo personal savings account to his account with XXXX XXXX XXXXXXXX XXXX  located in XXXX XXXX, just to ease their suffering. Wells Fargo happily charged my account {$45.00} for wire transfer fee. Original funds delivery date was on XX/XX/XXXX. Until this date XX/XX/XXXX funds weren't delivered to beneficiary or returned to my account. After numerous calls to Wells Fargo Bank and spending multiple hours on the phone, being transferred from one department to another still no resolution. Received multiple case numbers.. Case Number : XXXX, XXXX, XXXX. Spoke with numerous Wells Fargo 's reps : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Responses varied from : money will be delivered tomorrow, in couple days and final excuse... wire was stopped due to XXXXrelated Sanctions! XXXX! 
There are no sanctions against XXXX!!!! Sanctions against XXXX due to XXXX aggression against XXXX!! 

This can be checked easily be visiting treasury.gov website. This link is for Wells Fargo so called " investigators '' XXXX XXXX XXXX Wire wasn't sent to XXXX or XXXX  person!! 
I'm utterly disappointed with Wells Fargo Bank and their apathy to people 's suffering.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (WI)

What I have done I contacted XXXX XXXX XXXX XXXX XXXX  XXXX XXXX about the account opened up by Wells Fargo I feel its a fraudulent account I never authorize them to open an account I authorize to credit search to see if I was eligible for a loan for the repairs between XXXX XXXX  and Wells Fargo they open up an account try never authorize they put it on my credit report as an open account which Ive never authorized I have filed a complaint with Wells Fargo I filed a complaint with the FDIC fraudulent actions by the bank and not feeling it I can play with you Im hoping that you guys can help you get this resolved have this taken offMy credit report thank you
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I received a notification on my personal email that my Bank of America profile was updated on XXXX XXXX, 2022. I tried multiple times accessing my Bank of America XXXX account, but it kept saying wrong password entered. I then clicked forgot password, and then Bank of America sent a one time passcode to the email associated to the account. I never received the email, and then called Bank of America customer service. The representative told me that their was an account transfer on XX/XX/2022 in the amount of XXXX dollars. I told the representative I never gave that authorization, and no one but myself has access to my Bank of America account. The email on my Bank of America account was also changed to another email I have never used or seen before. The representative told me she was going to lock the account and send a replacement debit card. She also forwarded me to the claims department where I filed a claims report. I also filed a police report regarding this incident. My claims number is XXXX.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

In XXXX I signed up for a Barclay Cards XXXX XXXX branded card as I knew I would like to travel and accumulate miles through either paid travel or through the use of their milage program. I also signed up for the XXXX XXXX XXXX XXXX card a few months later. I've been a loyal customer of both banks for the past 6 years, never once any issues with paying the accumulated debt. I had built up over XXXX miles with XXXX XXXX through various means which included normal spending on the 2 banks credit cards, opening a checking account, etc. In late XX/XX/XXXX my XXXX XXXX account was frozen, in XX/XX/XXXX I received an email from XXXX XXXX that my account was not canceled and all of the miles I had worked to earn was gone. I have since closed my XXXX XXXX  accounts as they are pointless to have and tie up available credit. The Barclay Cards account is still open and I was going to close it once I had paid off the balance. However, I'd like to know if there is anything that can be done to have my XXXX XXXX restored. I was trying to buildup the miles to use in my retirement and now I have nothing.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Oh I looked at my credit report and there are two hard inquiries from XXXX  XXXX on my credit report that were recently put on there I did not apply for these. I do not know why they are there I do not have any credit cards with XXXX  XXXX I have called Experian several times I can not get a person on the phone over and over again I am trying everything I can do to have these removed but I can not get any help from them
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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

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

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

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

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

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