davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-13
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. (MN)

The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (SC)

I opened an account with Suntrust and transferred {$3000.00} from my spouse XXXX account om XX/XX/2020 shortly after Suntrust sent me a letter saying the account was closed for fraud. I was never contacted by Suntrust directly to ask. Suntrust did not send back my {$3000.00} I have called twice and both reps have told me suntrust is holding my money and will not say why or let me talk to an agent who can explain. I need my {$3000.00} from suntrust ASAP, as well as compensation for lost interest ( 4 % apr on XXXX for length of time money was held, currently 60days x XXXX cents a day = {$26.00} dollars ) and the opening bonus that i would have been eligible for of {$400.00}
Consumer complaint received 2020-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (MS)

I being XXXX American was given a high interest rate on a new vehicle by Ally Bank which I read in a consumer report is predicted toward XXXX Americans and XXXX. I was pressured into false sales tactic dealer Im unable due to COVID-19 to make high payments on my car I purchased from XXXX XXXX dealer I had a trade-in and still had high interest rate with good credit score of XXXX Im feel Im being targeted please help me resolve this matter. Thanks
Consumer complaint received 2020-09-11
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. (OH)

On XX/XX/2020 I 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 to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand 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.
Consumer complaint received 2020-09-11
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. (FL)

I applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

Please help!
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (CA)

The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by your actions. I need you to take this matter seriously, and send me a response. 

MEDICREDIT, INC is not acting correctly. This company has been committing the following violations : 2. Unfair business practices. 
3. Re-aging account 4. Reporting discrepancies across bureaus. 5.  Failing to mark account as disputed. 
6. Failing to provide fair customer service. 
7. Negligence. 
8. Breach of contract. 

I am demending the removal of the following item from my recrods : Medicredit. Account # XXXX, opened XX/XX/2020, high credit {$230.00}. 

Please send the attached documentation to Medicredit. 

Thank you.
Consumer complaint received 2021-07-28
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: Experian Information Solutions Inc. (TX)

some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/XXXX and the second one was on XX/XX/XXXX same dealer ship XXXX XXXX XXXX XXXX XXXX, Kansas Phone XXXX-XXXX-XXXX, I also did disputes on XXXX XXXX, XXXX  and Experian but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 while I attended a play, money was withdrawn from my checking account by an unknown person without my knowledge or consent. I was alerted that it was happening when I tried to use my debit card to purchase tea after the play and my card was declined. I checked my account through the banking app and saw withdrawls of around {$800.00}, {$1100.00}, and {$900.00}. I immediately looked up the nearest bank location and physically ran to see a banker and stop what was happening. While I was explaining what happened to the banker, another withdrawl was made from that account at the teller window XXXX the money from that transaction has been returned to me ). I was later told by another banker that my debit card had been duplicated to make the ATM withdrawals, and that because the person used my pin number, the bank was declining to return the money stolen in those transations, and that I they were " ending the relationship '' with me as their client.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have spoken with several people about the same issue. It was reported in XX/XX/2017 that I was late on 3 of my credit cards ; cards ending in XXXX, XXXX, and XXXX ). When I originally spoke with someone, due to the issue with the autopay and one of the payments being short XXXX  cent, the late fees were removed due to inaccuracy and it was supposed to be fixed with the credit bureaus. On 2 different occasions, a rep told me it would be resolved. When I called back for it not being resolved, I was told the reps didn't add notes and there was nothing they could do. I've been giving the run around and hung up on many times. I can't get anything resolved and they won't fix the issue. The information is inaccurate and I was advised that it would be resolved. If my payment activities are reviewed, they will show that this issue is the only time I've ever been " late '' with my payments. In actuality, I've never been late, this was an issue.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

This is about Equifax : XX/XX/XXXX : Mailed with documents on Drivers license & Med Information for Credit Report. No response received back. 

XX/XX/XXXX : Filled out XXXX XXXX XXXX Request Form, mailed it. The Form did not mention any extra paperwork to send in. 

XX/XX/XXXX : Equifax replied, they needed more information, SS card, driver 's license, rental/lease agreement, utility bill and where I lived for past 2 years. They also said the XXXX XXXX XXXX form was not legible which I printed in large legible letters. I mailed all that they asked for. 

XX/XX/XXXX : Equifax replied : Need to enlarge photocopies of driver 's license and social security cards. I resubmitted information again and increased copying by 150 %. The copies of my driver 's license and Social Card was readable before I mailed it to them. 

The other problem is that when other companies want to check my credit score Equifax always says its closed and they will not help me. I've called and talked to reps and they say it's open, but yet when I applied for Bank Loan on XX/XX/XXXX it was closed to them and I had to get the Bank Loan in my wife 's name only to buy a new home,
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

THE DISCHARGED BANKRUPTCY ACCOUNT HAS NO AUTHORIZATION TO REPORT ON MY CREDIT. THIS ACCOUNT HAS BEEN DISCHARGED AND DISMISSED IN THE COURT OF LAW. I AM REQUESTING IMMEDIATE REMOVAL OF THIS ACCOUNT ON ALL THREE REPORTING BUREAUS.
Consumer complaint received 2022-08-15
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. (NJ)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to EXPERIAN 's lack of response which I classify as frivolous, CREDIT BUREAU has dishonored FCRA regulations and my request for verification. If EXPERIAN wish to correct this dishonor, I will give EXPERIAN one more chance to correct their errors and update my records. Please update the account, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the account listed below : XXXX  XXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided. How can you report this account as Included Bankruptcy when my record shows that this account was Paid as Agreed and Balance is XXXX. Modify and perform any corrections or FIX this from my file.
Consumer complaint received 2020-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Experian  notified me via my membership of a NEW collection acct called XXXX XXXX   XXXX - Amt XXXX There Address XXXX XXXX XXXX XXXX XXXX CA XXXX They List the original creditor is XXXX XXXX and then XXXX XXXX XXXX  in XXXX TX They list this debt to be XXXX ** This is MAIL AND WIRE FRAUD * FRAUD BY DECEPTION - XXXX  and XXXX XXXX Refuse to enter this fraud debt on my reports, EXPERIAN  is the only bureau to report=- Twice I have sent EXPERIAN  an FTC AFFIDAVIT of ID THEFT. 

I ask The CFPB step in and delete this from my Credit Bureau Immediately - I am XXXX, XXXX and have been since XXXX I phoned the manager at XXXX XXXX XXXX and they have no record of a XXXX XXXX XXXX XXXX 

The Stute of Limitations on said debt no matter who it was is expired in Texas This blatant Fraud has cost me thousands of dollars and I will seek legal relief immediately
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc. (CA)

I was mailed a letter in the mail 2 years ago letting me know about a debt with a mini storage that I've never rented a storage from. I've been to that mini storage 1 time to inquire about renting a storage but the prices were not within my budget so I left never signed a contract for one. I lost my wallet XXXX of XXXX at a friend 's house. I canceled all my cards after this happened but my ID and social was in the wallet. When I became aware of this situation with the storage company I contacted the collectors they sold the debt to only to be told they have my signature and had to phone hang up on me. I've never heard from these collectors since then but they keep reporting this debt on my credit report. I've never had a late payment on any of my credit cards or loans. This debt is harming my credit dramatically.
Consumer complaint received 2020-09-11
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. (IL)

I am writing to file a complaint against TransUnion. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus.

I requested that TransUnion provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. TransUnion has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. TransUnion continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with TransUnion to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Consumer complaint received 2020-09-13
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. (TX)

I have several inquiries which i never authorized. I never authorized any hard inquiry since XX/XX/2019. 
I never opened any XXXX XXXX plus account and it shows 2 collections on my credit report? I only had discover credit card and XXXX   XXXX  MasterCard and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent
Consumer complaint received 2022-07-23
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. (IL)

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 2020-09-12
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}, {$4000.00}. 
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. 

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

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2020-07-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: MORGAN STANLEY & CO. LLC (CA)

I contacted Morgan Stanley in XXXX to apply for a 3-month forbearance on my loan # XXXX and they were able to apply a 3-month forbearance on my account. Upon further follow-up on XX/XX/XXXX, I was told that they would provide me with an additional 6-month forbearance so that I would not have a payment due until XX/XX/2021. Unfortunately, the representative gave me the wrong information and actually did not even process the second forbearance request. I followed up on XX/XX/XXXX and was told that the previous representative had misinformed me and that they were only doing an additional 3-month extension. In addition, I was sent a letter that my original forbearance plan had been canceled on XX/XX/XXXX, which was not initiated by me. I wanted an extension not a cancellation. I agreed that I would like to have the additional 3-months applied at that time as they did not give me a 6-month option ; however, it is now XX/XX/XXXX and I still have not received confirmation that the 3-month forbearance extension was applied. I keep receiving notices that I have " DEFAULTED '' on my mortgage obligations but I was told by several Morgan Stanley Home Loan representatives that the non-payments would not be reported on my credit report. I am concerned that Morgan Stanley has reported a default and/or late payment to the credit reporting agencies when they specifically told me they would not be reporting these as late payments and/or any derogatory information.
Consumer complaint received 2020-09-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX the Capital One made a chargeback of {$1300.00} on my credit card due to a dispute I have initiated against XXXX XXXX XXXX however on XX/XX/XXXX the Capital One had it reversed into my account as " purchase adjustment ''. At that time I was told to send more documents yet to be mentioned in a letter that I was going to receive a few days later if I wanted to keep the dispute on. On XX/XX/XXXX by Capital One request, I had sent a fax with 10 pages to the number ( XXXX ) XXXX therefore I never received any follow up from Capital One about my dispute case. Later on XXXX, XXXX I called them and I was told that they were not able to see any fax recorded into my account and so they emailed me a link to have the requested documents ( attached below ) uploaded. Once more, I never received any follow up from them yet I was told to wait for their answer at many calls originated from me in order to have more information about it. That said, I made a call on XX/XX/XXXX and asked to speak with a manager thus I was told by a manager XXXX ID XXXX that my case was over and no option was left for me. It is unacceptable since by the Fair Credit Billing Law, I have 60 days to dispute a case.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. ()

XXXX, XX/XX/XXXX. 



Dear Sir/Madam, I need your help to reach Paxful. 


Background : XX/XX/XXXX, I fell victim to a multilayered scam operation by XXXX The company offered investment services with the goal of robbing and defrauding clients. I lost XXXX, XXXX XXXX which was transferred from my wallet utilizing their services. 

XX/XX/XXXX : My first telephone contact with the investment manager and cryptocurrency broker XXXX XXXX and the security officer XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX showed me the broker check at XXXX - that both he and XXXX XXXX were registered there. After several phone calls, answers to my questions, and a homepage check I didnt find anything suspicious ; the company seemed to be in order. 

XX/XX/XXXX : I opened an account with Paxful for bitcoin trades. 

XX/XX/XXXX : My first transaction from my bank XXXX, XXXX XXXXXXXX XXXX to XXXX. ( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : Trades via Paxful ( Attached file : Paxful Trades ) XX/XX/XXXX : My second, and last, transaction from my bank XXXX, XXXX XXXXXXXX XXXX, to XXXX. 
( Attached file : XXXX XXXX ) ( Attached file : XXXX  XXXX ) XX/XX/XXXX : Trades via Paxful ( Attached file : Paxful Trades ) XX/XX/XXXX : The cryptocurrency broker XXXX XXXX reported an unreal profit which made me understand that something was wrong. 
( Attached file : XXXX XXXX ) XXXX XXXX : I tried to withdraw my invested money from my account at XXXX but found out the funds were stolen. 
( Attached file : XXXX XXXX ) XX/XX/XXXX : A police report was filed, by me, against the company XXXX. 
( Attached file : Police report ) XX/XX/XXXX : Sent an XXXX XXXX Letter to XXXX and Paxful. 
( Attached file : XXXX XXXX Letter to XXXX ) ( Attached file : XXXX XXXX Letter to Paxful ) XX/XX/XXXX : Answer from Paxful ( Attached file : Paxfuls answer ) XX/XX/XXXX : Sent a Dispute Letter to XXXX. 
( Attached file : Dispute Letter to XXXX ) XX/XX/XXXX : Answer from Wise ( Attached file : XXXX  answer ) XX/XX/XXXX : Sent Police report to XXXX  XX/XX/XXXX : Confirmation from XXXX  ( Attached file : Confirmation of receiving my email XX/XX/XXXX : Sent a Rebuttal Letter to Paxful. 
( Attached file : XXXX XXXX to Paxful ) I have tried to get help from Paxful and XXXX without any success. Can you please help me? 


Kind regards,