davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNTS  1. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-07-24
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: CITIBANK, N.A. (NJ)

On XX/XX/2022 I purchased a gift card valued at {$100.00} for XXXX on the XXXX website in the amount of {$98.00} using my Citibank XXXX card ending in XXXX. The card did not work. I contacted the company through their website 's " contact us '' page and emailing a reply to the order confirmation. The company did not respond. 

On XX/XX/XXXX I filed a charge back through Citi.com 's online system. The online system showed it was received, at a later date it showed that the XXXX had been contacted, and on XX/XX/XXXX the system showed that the XXXX had responded and the case had been decided in the XXXX 's favor. 

On XX/XX/XXXX I called the Citi dispute line XXXX about how to proceed. I was told the case was not really finalized and that I would receive a letter through the online system from Citi with instructions on how to continue the dispute if I wished as well as the merchant response. That information never arrived. 

I called the Citi dispute line XXXX again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to alert Citi of this issue where I was not receiving Merchant response and Citi letter detailing how to continue a dispute in the " letters and notices '' section of Citi 's website. I was assured that they would be resent. They never were. 

I emailed XXXX on XX/XX/XXXX about not receiving this XXXX response and instruction from Citi on how to continue with the dispute. 

On XX/XX/XXXX I went online and unenrolled in Citi 's paperless system in hopes that I would receive by mail the paperwork the were unable to provide online. 

On XX/XX/XXXX I received a letter from Citi in the " letters and notices '' section of the website stating : " We previously requested necessary information from you concerning this dispute. We did not receive a complete response to our request. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. '' But I never received the requested information. I never received a response to my emailed complaints about this issue. My many, lengthy phone calls with representatives did not address the issue. I was just told the paperwork would come or should be there online. It never was. I was told that the proper department would be notified of their technical issues. I was told this would not effect by ability to respond to disputes in a timely manner.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.OnXX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXXXX/XX/XXXXand last used/paid off in XX/XX/XXXXXX/XX/XXXXMy account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments
Consumer complaint received 2022-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NJ)

I withdrew {$1200.00} from my Paypal account back in XX/XX/2022. After 3 days, Paypal reversed that transaction from my bank and terminated my account on XX/XX/2022. My account stated that I will be able to withdraw the money after 180 day. Paypal is holding on to the money incase if they have to pay any of the clients of mine. 
After 180 days, on XX/XX/2022, I tried to withdraw the money, I was getting errors. So, I contacted Paypal and the next day, XXXX XXXX, Paypal withdrew the money for themselves. When I try to contact Paypal, they're shifting the blame to their " back department '' and no one can get in tough with them to see why Paypal paid themselves with my funds.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I have had numerous overdraft fees caused by pending transactions. While on the surface, I understand this practice, it is inherently unjust and unfair. Often times a pending transaction is an " authorization '' only and the charge will fall off the account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). Using an authorization to calculate the actual balance in the account and use that balance as a basis to charge fees isn't right. 

Another aspect of this that shows the hypocrisy of this posting system is the fact that Wells Fargo does NOT count pending debit card refunds as a basis for calculating the balance in relation to charging fees. 

This seems incredibly unfair and it cost cost me a tremendous amount in fees.
Consumer complaint received 2021-03-26
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. (CA)

I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I, XXXX XXXX, am formally disputing the accuracy and validity of the following items on my credit report, as generated by Experian on XX/XX/year> : XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$980.00} XXXX {$1800.00} XXXX XXXX Off ) XXXX XXXX {$1800.00} ( Collection ) These entries reflect inaccuracies and unverifiable claims. Under the Uniform Commercial Code ( UCC ) 1-308, I am reserving my rights and demand full validation of these debts, including original signed agreements and detailed documentation. I also invoke the Fair Credit Reporting Act ( FCRA ) 611, which entitles me to an investigation of all disputed items. If these items can not be verified within the mandated 30-day period, I request their immediate removal from my credit report.

Failure to validate these claims will result in further actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal proceedings. I expect full compliance with the UCC and FCRA guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (GA)

A letter dated XX/XX/XXXX was received from XXXX that I was released from a debt where my name was forged. I had submitted their Forgery Questionnaire on XX/XX/XXXX. 

Since then two companies have contacted me. XXXX XXXX XXXX XXXX via Ms. XXXX XXXX contacted me XX/XX/XXXX. I promptly sent the letter that I had received from XXXX and she said that the letter clearly states that I was released from this debt. Most recently, I was contacted by XXXX XXXX from Vance and Huffman inquiring about this same debt from XXXX. As of today ( XX/XX/XXXX ), I forwarded the email that I sent to XXXX XXXX XXXX XXXX that includes the documentation that I was released from this debt. 

I feel harassed and I want these phone calls to stop.
Consumer complaint received 2022-07-24
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 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 purpose
Consumer complaint received 2022-11-18
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2021-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2021-04-15
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. (FL)

I do not recognize these accounts because they are not mine I am kindly asking you to remove them from my profile. Its pure identity theft and I am lost because I do not know how to fix this bad reporting ... I do not want to see accounts that are not mine in my profile SO Please advice and suggest me how I can get rid of them. Thank you
Consumer complaint received 2022-05-05
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to delete immediately : XXXX XXXX
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (KY)

A Mattress Firm employee ( store location : XXXX XXXX XXXX XXXX, XXXX, KY XXXX ) on XX/XX/2020 asked if I was interested in applying for store financing to see what I could qualify for. I asked if this inquiry would be a soft or a hard credit pull. The associated replied that it was just a soft pull. She then asked that I write down my social security number and provide my license so she could confirm my name. I asked her to confirm why this information was needed. She said it was just to check eligibility for store finance options. She said I was approved for {$9400.00} in financing if I decided to purchase through them. 

At no point did I sign any document and there was no mention of a credit card application. I also did not end up purchasing products from this store so there was no need to even open this line of credit. This process was explained to me as a soft pull to check eligibility. 

On XX/XX/2020 I received a new credit card from Synchrony with a credit limit of {$9400.00} opened through Mattress Firm. I spoke with the store manager that same day and told him the issue. He apologized and said I was indeed misled by the store employee and stated corrective action in the way of re-training would be conducted. No further solutions were offered and when I told him this mistake has the potential to negatively affect my credit score he could only commiserate and offer platitudes. 

Additionally, my name is not correct on the card account so I'm not even sure how valid this line of credit is. My first name is spelled incorrectly and my last name is not present at all ( my middle name is present as my last name ). I don't understand how my identify was verified for a hard credit pull with bad information. I don't understand how this credit card was opened without properly informing me of what the employee was doing where the employee actively misled me about the process and did not obtain written consent.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

I have disputed my issue with the XXXX original debtor that claims I owe this debt of {$1100.00} for a cell phone. XXXX sold the account XXXX XXXX in XXXX. Thanks to CFPB the accounts were removed from all three bureaus. Now the account has returned under XXXX XXXX XXXX a complete new name. They can not produce any recordings or my picture ID or wet signature they just keep re-selling the account from collection agency to collection agency. For the same debt I have sent my ID and SS #. Again in XXXX same account no proof of burden and brand new collection agency. If they have so much proof that the account belong to me. Why then was the account removed from all three bureaus and re-sold again. And here we are again in XXXX once again the file has re- appeared on my credit file under a new name Enchance Recovery COL This company does not even own the file and they are trying to collect from me a debt that is not owed by me.
Consumer complaint received 2020-12-02
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I submitted a Goodwill letter to Capital One asking for a courtesy removal of late fees from my credit report. Capital One responded in a letter dated XX/XX/2020 stating due to the Fair Credit Reporting Act, they could not honor my request. This is not true, the Fair Credit Reporting Act does not prevent them from honoring my request. Stating that the Fair Credit Reporting Act is the reason my request could not be honored is misleading and in my opinion an improper disservice to me as a customer.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Filed a dispute on XX/XX/XXXX and it was completed on XX/XX/XXXX, less than 30 days for a full investigation I found the wrong dates on a student loan account ( US DEPT. OF EDUCATIONXXXX XXXX ) and I have disputed this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. I have given ample time to resolve this problem, each dispute I provided proof it was wrong. It has not been fixed and it has not been removed. Now I have provided a letter directly from the reporting company and to the Transunion Credit Bureau that has listed as accurate more than 6 times. The letter clearly states the account was closed and transferred on XX/XX/XXXX and they keep reporting it is accurate by saying the account closed XX/XX/XXXX which does not meet FCRA.
Consumer complaint received 2020-12-02
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 (TX)

Recently I used my Discover Credit Card because my visa debit card 's magnetic strip was inoperable. No worries in which I was using my credit card and paying off the card the next day of my purchases. So I thought. I made a payment on XX/XX/XXXX {$280.00}. XXXX, a payment on XX/XX/XXXX of {$170.00}, a payment on XX/XX/XXXX of {$920.00}, a payment {$57.00} on XXXX XXXX to supposedly keep everything current in which it should of been. another payment on XX/XX/XXXX of {$50.00} a payment of XX/XX/XXXX of {$380.00}, a payment on XX/XX/XXXX of {$280.00}, a payment on XX/XX/2020 of {$580.00}. I did this too keep everything current. However, the balance was - {$22.00}. So, being concerned I called Discover Card financial services on XXXX XX/XX/XXXX. i spoke with XXXX who was absolutely acted like he didn't know what I was talking about. He stated that sometimes things don't go through. Exact words. How is that possible that my payment may not go through. I asked to speak to a manager and for his badge number. which he gave me and have written down. When I spoke with the manager it was XXXX from XXXX, AZ. She was downright rude. She told me it takes 8-9 business days for things to clear. I told her the discover card services does not keep up to date like a normal financial service. Example. on my account it says I have a balance of {$420.00}. I paid {$420.00} to pay off balance. So what they do is hold the {$420.00} you pay for 8-9 days while you accrue more charges and interest. They don't update the account. so you are actually not knowing what you are charging. A lot of things did not line up. When I talk to XXXX and told her I had previous talked to someone and said the persons badge number. She even notified me they don't even have badge numbers at Discover. She was downright rude. Seem rather unconcerned of what they were doing. She even yelled at me with a temper. i feel so upset with Discover and want this resolved immediately. Unprofessional!
Consumer complaint received 2021-06-10
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. (NJ)

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from XXXX and TXXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.