davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : US Dept. of Education/XXXX XXXX
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The reason for this complaint is, I submitted a payment for my auto loan from my bank and to Bank of America for my auto loan. I submitted a payment on XXXX in the amount of {$260.00} 5 days later I called to confirm a payment was submitted. I spoke to a representative they did not receive a payment. Bank of America rep opened up a ticket but for some reason the ticket was closed. When I checked my back I realized that I had the account number wrong by one digit I corrected the account number and submitted a second payment for the amount of {$260.00}. I have called 10 times spoke to 10 different representatives only to be transferred to 10 different supervisors with no resolution. I have sent 5 emails with the proof the funds was taken out of my account and 5 emails no response I called and spoke to a rep XXXX and she asked me to send it again I waited on the phone until she confirmed she received my email. She did and days later still nothing has been done. At this point I feel Bank of America has stolen my money because I was told that if the information on the account number did not match that they would return the payment or issue me a check by mail. I have yet to receive a response yet alone my account credited, payment returned or refunded. So I want to file a complaint in hopes to either get a refund or have the payment posted to my account. Its been 28 days and I have yet to have Bank of America respond by email or phone regarding this missing payment.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
WELLS FARGO XXXX
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have 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 : 1. SEQUOIA FINANCIAL SVCS XXXX Balance {$1100.00} ; 2. SEQUOIA FINANCIAL SVCS XXXX Balance {$2600.00} ;
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB (SC)

I have been trying to get this resolution with Klarna for over a month and they keep telling me that they are going to get it fixed and all I am getting is the run around. I have kept my account in good standing and I have never had a problem using my card until XX/XX/2021 and since then they will only tell me the same thing and not fix this issue. They say the system wants to verify my identity but they will not give me an option to provide the information.
Consumer complaint received 2021-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (VA)

XXXX XXXX XXXX have sent my name in collections for the amount of {$3000.00}. In addition to ruining my rental credit history which is making it nearly impossible to rent. The issue was bought to my attention on XXXX XXXX when I attempted to rent an apartment. I have never received any letter or phone calls from XXXX XXXX regarding the issue. I have made an attempt to reach out to them via email on XX/XX/XXXX, at XXXX ( which was the email of the person who sent my last lease ) and putting in a direct request on the company 's website XXXX XXXX XXXX XXXX XXXX a couple of days afterwards. No one has reached out to me regarding the matter. In XX/XX/XXXX, I broke my lease. Upon moving in the apartment I gave them a XXXX months rent deposit in addition to the prorated amount that was due when I moved in XX/XX/XXXX. When I inquired about possibly breaking the lease they stated I had to pay XXXX months rent XXXX XXXX XXXX XXXX ( they had XXXX months rent ). The rental amount was {$1200.00} in XXXX and had increase to {$1200.00} upon me leaving.
Consumer complaint received 2021-11-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Palisades Funding Corporation (CT)

On XX/XX/XXXX I place a phone call to a XXXX XXXX known as : XXXX XXXX XXXX XXXX XXXX 
In regards to a collection account place on my XXXX credit report after a random check of my consumer profile review. 

Unfortunately I was not able to receive the name of the woman addressing incoming phone calls do to her lack of respect and disregard of properly identifying herself. 
She insisted I give her formation, name, case number, XXXX. 

I felt extremely uncomfortable therefore I am filing this complaint to inform, XXXX XXXX XXXX XXXX, that this unknown and unverified collection account is showing multiple an clear inaccuracies. 

I made an attempt to contact and receive information to understand how they come to the conclusion of their calculations with the sum of : {$1500.00} Which is completely and absolutely inaccurate from XXXX and XXXX that is reporting {$1500.00}. Also on XXXX the original creditor is reporting {$1500.00} Also its clear the account is closed but was updated on : XX/XX/XXXX as an open account. 

It appears attempts to violate my rights are being committed which is a violations of the FCRA under the law regarding Re-aging accounts. 

- XXXX XXXX XXXX reporting a update on : XX/XX/XXXX with original creditor. 
- XXXX is reporting a update on : XX/XX/XXXX - XXXX is reporting XX/XX/XXXX - XXXX XXXX XXXX XXXX reported XX/XX/XXXX on my XXXX XXXX XXXX XXXX 

This account was closed by the original creditor : XXXX XXXX XXXX, on : XX/XX/XXXX. However, the collection agency in question has reported account status as : XXXX. 

During my research after my attempt to reach a member of this company to understand more about this unknown debt, my research lead me to find a law suit against this particular XXXX XXXX that warrant this complaint for their unfair practices.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a Credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account XXXX, a credit card at XXXX account opened XX/XX/XXXX under account number XXXX, an credit card opened at XXXX opened on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-05-23
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: AMERICAN EXPRESS COMPANY (FL)

American Express refuses to give me my {$1500.00}. They say the will but don't***** Below is the communication I have had with the company. 

XXXX XXXX  -- -As you can see in the attached American Express XXXX me {$1500.00} and has owed me these monies in Excess of more than 1 year. I know you have promised to credit my Credit Card by XXXX XX/XX/2023 in that amount. However, if I had owed you this amount of money you would have charged me more that 23 % in interest penalties. I believe in the old adage " what is good for the goose is good for the gander ''. I do believe that you owe me {$360.00}. Please credit my account for the additional funds. 


FROM XXXX  XX/XX/2023 - This message will be available until XXXX XXXX, 2023. You can print a copy for your records. 
Important account information Account Ending In : XXXX Dear XXXX XXXX XXXX, We wanted to make sure we followed up right away about your missing {$1500.00} refund check. Don't worry we made sure we placed a stop payment on it on XX/XX/2023, and then credited the funds back to your account. 
Thank you for giving us an opportunity to serve you. 
Sincerely, American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY LIED AS THEY NEVER SENT A CHECK TO ME.
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NY)

I reported a claim of an unauthorized fraudulent XXXX transaction to my bank, Wells Fargo. Wells Fargo denied my claim. It should not be denied because an unauthorized person gained access to my mobile phone and made an unauthorized transfer of {$2000.00} without my knowledge, consent or approval. Under Regulation E, this was an Unauthorized Funda Transfer and Wells Fargo should provide relief, approve this claim and reimburse my account with the {$2000.00} which was transferred electronically without my authorization, consent or knowledge. Thank you.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (CA)

Hello my name is XXXX XXXX XXXX XXXX and I am a cardholder at Comdata, and I have been a victim of fraud. And I have submitted my claims online like I was ask to and yet I have only received just a little over {$200.00}, when I have been stolen much more than that, ( over XXXX ) I would like to know that status of my claim. I have not had any reach out to me and I am falling behind my bills. I feel that I shouldnt be responsible to these withdraws when I had called COMDATA to close my card because it was stolen and they submitted my request for a new card but never close the stolen card. I was exposed to a tremendous loss of all my funds and I am requesting a refund, due to a lack of processing a request. I submitted my claim on XX/XX/2021 and it been almost months and I havent heard anything from the fraud claim department. I have filed a police report and I have attached it along to this letter. I will also include a summary of the claims and the dollar amount that I have submitted. 

XXXX XXXX XXXX XX/XX/2021 {$43.00} XX/XX/2021 {$200.00} XX/XX/2021 {$23.00} XX/XX/2021 {$200.00} XX/XX/2021 {$100.00} XX/XX/2021 {$200.00} XX/XX/2021 {$42.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00}
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2021-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R J Baucum Enterprises, Inc. (TX)

They have NOT responded with PROOF that the debt is mine. I mailed a validation letter to Edward Sloan and Associates on XXXX. To this day I have received NO Response. They are now in VIOLATION of the FDCPA. Due to their inability to validate the debt they MUST CEASE ALL collections AND stop reporting to ALL credit reporting agencies.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TOYOTA MOTOR CREDIT XXXX Balance {$960.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-04
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. (OH)

Experian is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights. 
They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but Experian keeps telling me that they won't take it off. I already have enough evidence to sue Experian in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.
Consumer complaint received 2021-11-04
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: CITIBANK, N.A. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} MACYS/DSNB XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (CA)

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. Please update and correct the accounts.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

Received website online " pop up ad '' promising to remove harmful personal content on the internet. XXXX XXXX XXXX was the internet " pop-up advertising. The pop-up generated an account XXXX that stated " XXXX XXXX XXXXXXXX, " will have earned its fee only upon a successful removal. '' XXXX practices deceptive online marketing practices there was absolutely no services of any kind rendered to the " USA Citizen Voting Consumer. '' There are three levels of corporations to make this online business potentially more predatory to XXXX searching consumers. First, Corporation : XXXX XXXX XXXX is an International Corporation operating outside the federal jurisdiction of the USA. XXXX XXXX XXXX, or XXXX ( XXXX ), is located at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX. The Corporation, contracted by ( XXXX ) XXXX operating a minimum wage contracted " boiler room telemarketing center, '' calling themselves XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Third, Corporation is a high-pressure debt collection firm named Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2022-01-05
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. (IL)

I SENT A DISPUTE TO XXXX, XXXX AND EXPERIAN IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE THREE ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO XXXX AND XXXX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON XXXX. I ONLY WANT ONE ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.
Consumer complaint received 2021-11-04
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;