davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA 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 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (GA)

Opened a credit card account with Wells Fargo in XX/XX/XXXX AWSOME bank by the way ended up closing the account in XX/XX/XXXX and payed off in full after closing. Pulled my credit because now I do XXXX XXXX and I see its reporting still and also has a late payment which is stoping me from getting loans with my company because of the late payment and it still reporting after being paid in full.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

I submitted a request to have funds returned to me in reference to the CARES act. I requested to have payments that I made during the pandemic to be refunded to me. I made the initial call on XX/XX/XXXX. I've been told this is in process and I would be kept in the loop on the status of this request. As of yesterday, it will have been 9 weeks with no status update ( via email or phone call from Nelnet ) in regards to this request. I've called multiple times and have been given different information from each agent I've spoken with ( it's in process or contact studentaid.gov ). With no movement so far, this is going beyond the window in which I was quoted ( 4 to 6 weeks ). It has now been over 9 weeks without any movement in the processing of the request, in which they stated yesterday was submitted on XX/XX/XXXX.
Consumer complaint received 2022-10-28
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: CITIBANK, N.A. (VA)

I have a Sears " XXXX '' card from Citi Bank. They sent me an offer for XXXX bonus points for purchases from travel purchases provided I meet the minimum of {$750.00} spend in a month. I signed up for the offer and proceeded to use the card for hotels and rental cars to meet the required purchase amount before the end of XXXX. The problem is that in last two weeks I have stayed at two hotels, but Citi bank is showing no MCC ( merchant category code ) for these transactions. The first was a XXXX XXXX on XX/XX/XXXX and the second at a XXXX XXXX on XX/XX/XXXX. Without these being classified as " lodging '' I will not receive any bonus points from the credit card company. In the past I have used a XXXX  card from XXXX XXXX XXXXXXXX for these same hotels ( same locations ) and these were classified correctly such that I received extra cash back on those transactions. I wrote to Citi Card and they said they have no control of the MCC codes used by merchants so my purchases will not count toward the promotional offer. However, when reading more about MCC codes they say they require these codes to prevent fraudulent transactions, yet they are accepting these transactions without any MCC code. It appears they are baiting customers to use the card with their offer then finding ways to avoid paying.
Consumer complaint received 2022-04-08
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. (VA)

In accordance with the fair credit report act XXXX has valid my rights Account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (FL)

The end of XXXX Synchrony bank sent me an email that I did not pay my XXXX bill for {$38.00}. Upon checking my statements I saw I did and contacted them. They said they'd wave the late fees until I could prove that I had. I filed the paperwork along with a letter from my bank showing them the payment along with a tracing number. At the end of XXXX I received another email from them saying they were removing the late fee of {$29.00} plus {$0.00} cents interest leaving a balance of {$9.00}. If I paid the {$38.00} on time which I've proved that my bank says they received, Then how can I owe {$9.00} when I sent the whole amount. This is the worse bank I've ever seen.
Consumer complaint received 2018-11-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

In XX/XX/XXXX VA made a contract with a veteran for a loan. The loan is made in VA 's and veteran 's names. According to the contract, Special Warranty Deed is to be issued upon full repayment of the loan in veteran 's name only. The loan was paid off in XX/XX/XXXX but the last servicer of the loan Carrington Mortgage Services has been unable to produce Special Warranty Deed because Property Transfer Tax is required by the county to record a deed. Property Transfer Tax was never filed when VA transfered the deed to XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX XXXX XXXX was the servicer of the loan before Carrington.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX a Sunday XXXX I went to Citibank ATM to deposit money into my checking account like I've normally done before I deposited {$1900.00} when inserting the money the machine that XXXX trying to pull the money out didn't allow me to the money just got locked in the machine and the machine shut down and released my card after : Citibank I received a provisional credit After the investigation I received {$520.00} back on XXXX XXXX what happened to the other {$1400.00} that's the mystery nobody knows nobody has an answer for me I am not stopping here this is absolutely insanity Citi Bank is stealing my money and it's illegal I will go all the way to the top I am about to go to the police and file police report for Citi Bank stealing my money if they have antiquated systems for Citi Bank they need to update their ATM that's not my fault I have a Lotta money in those accounts please let me know if you need to see the account summaries
Consumer complaint received 2022-10-28
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. (NV)

no known knowledge of any account, i do not have an account contract or agreement with this company Account details Account status Over 120 days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$590.00} Responsibility Undesignated Times XX/XX/XXXX Days Late XXXX
Consumer complaint received 2022-10-28
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

Venmo previously held money from me for a period of 3 months, saying I needed to submit my tax information. Despite repeatedly providing that information, their system had a glitch and would not accept it. Eventually, the money was released, and I believed at that time the issue was resolved. However, I received a sum of {$260.00} on XX/XX/22 that is once again being held for the same reasons. They are not responding with any efforts or information about resolving the problem, despite my repeated attempts to contact them. This is the same problem as before, even though I have repeatedly provided my tax information, including business documents from the IRS and documentation of my tax info. I have not had these issues with other money transaction apps as related to my tax info, only Venmo. I have attempted to resolve the issue and venmo is not being responsive.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXXXXXX 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Consumer complaint received 2022-04-08
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 the following companies listed below have violated my rights as a consumer. 

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

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

Hello, I opened a checking account with a BANK using my valid drivers licenses, which contains my FULL name ( First, Middle, Last ). The Bank opened an account with ONLY my first and last name and left off my middle name. I am usually called by my middle name and I receive checks made out to my middle name and last name. The Bank has refused to cash checks made out to my middle name sighting " Its made out to a 3rd party, not me ''. I have sent a copy of my valid driver 's license to the bank 4 times now as well as copy of my valid XXXX XXXX- both contain with my full name ( First, Middle, Last ). The lending institution says they can not accept a SCAN of my driver 's license or a picture of my driver 's license. The bank has no brick and mortar buildings. So how am I to get a copy of MY driver 's license to them other than a SCAN or taking a picture? It has become a farce that I can not get my own name corrected on my own bank account, which the BANK made a mistake upon opening my account, not me. I am attempting to correct THIER mistake and they are making it impossible. When the account was opened, I requested my FULL name ( First, Middle, LasXXXX ) yet the Bank chose to eliminate my middle name, which has caused a flood of issues. They keep kicking it back to me requesting a copy of my driver 's license. I'm getting no where.
Consumer complaint received 2022-03-17
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. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXXXXXX Balance : {$620.00}
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today I got a email from XXXX. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is not mine
Consumer complaint received 2022-10-28
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (FL)

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 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I contacted Equifax they said they were not able to remove inquires I've sent letters than she said she will remove XXXX and then they sent a email with stupid adding my name very disrespectful I would like to file and complaint and remove all inquires on my account they were unauthorized. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX sale
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hello, my name is XXXX XXXX XXXX XXXX and I am submitting this complaint without error or influence from any third-party agency. please see my attached documentation as it contains my requests.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I deposited {$75000.00} Day 1 of account opening. That balance had to maintain by the 21st day of opening. Then maintain that balance from the 21st day of account opening for an additional 60 days. Then {$1000.00} bonus was to be paid. 

So if all that was met 81 days from the day of account opening bonus should have been paid I has been 90 days and I have not received my bonus as promised.