davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (FL)

On XX/XX/2020 I initiated a transfer of {$50.00} from my UI Way2Go card to my XXXX XXXX  account. I entered my XXXX account routing # and account # on the Way2Go online banking site. On XX/XX/2020 transfer in the amount of {$50.00} was posted cleared. The {$2.00} transfer fee was charged and posted to my account. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Cleared - this is the transaction information my Way2Go account has posted in my transaction history. 
I contacted my XXXX XXXX  after waiting days and not seeing my funds being added. XXXX stated their company does not support incoming wire transfers established outside of the XXXX XXXX. Also stating the transfer would have been immediately rejected and sent back. XXXX said they have no record of any transactions or requests. I have repeatedly called the way2go customer service line spending hours talking to the automated phone system and never able to speak with a person. I am unsure which company posses or where my funds are. XXXX 's customer service has been very polite and has been trying to assist me to no avail. The Way2Go customer service hasn't respond to any emails, and hasn't been available over the phone. XXXX XXXX  hasn't responded to any of my inquears as well. 

Conformation # XXXX The transfer amount was {$50.00} The Transfer fee was {$2.00} Chime online banking is backed by XXXX XXXX Way2Go Card system is backed by XXXX XXXX
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

TD bank/Target is reporting account as unpaid and charge off when in reality the account has been paid since XX/XX/XXXX. The law firm of XXXX XXXX XXXX has notified TD of the payment both electronically and verbally via a conference call that took place on XX/XX/XXXX between the clien, Target/TD and the law firm. TD need to update the account as settled
Consumer complaint received 2020-05-17
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. (GA)

Experian  inaccurately reported on public record a civil judgment during time period the judgment was dismissed, XX/XX/XXXX to the end of the mediation program timeframe, XX/XX/XXXX. Experian  failed to provide consumer history of credit report disclosures during the time period XX/XX/XXXX to the end of the mediation program timeframe XX/XX/XXXX knowingly would show that the ( CRA ) violated consumers substantive right to privacy. [ Boyd v. United States ( XXXX ) ]. Mr. XXXX XXXX Senior Vice President & General Counsel Experian on formal notice of the Mixing of Files and Information Shared to date, cause I.D . Theft/Fraud. On XXXX XXXX, XXXX consumer received e-mail Experian  General Counsel ;  acknowledgement of my complaint of identity theft/fraud. ( " CRA '' ) admonition of data breach/cyber security attack has been documented.Experian 's defective disclosures resulted from failure to fulfilled statutory obligations ; constituted a reckless ; willful and wanton conduct that violated Fair Credit Reporting Act ( FCRA ), Section 1681g. Experian is liable under 5 U.S.C. 1681.
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (TN)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX. 
Company Inquiries 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 2020-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2020, I received an email from Capital One stating that I notified Capital One that I needed a replacement card. The email stated that they shut down my current card and issued a new card and sent the new card to a different address than my current address. I NEVER MADE THIS REQUEST! I contacted Capital One and let them know that this was a fraudulent request. They were totally incompetent and could not tell me how something like this could have happened. They also could not tell me where the card was mailed to. After being transferred and kept on hold for a VERY long time, I told Capital One that I am closing my credit card account with them and I want nothing to do with them. 

Yesterday I received a bill in the mail from Capital One for {$16.00} for a " Fast Card Fee ''. I called Capital One again to tell them I had nothing to do with the request for a new card and that I cancelled my credit card account with them. Once again, I was transferred to multiple people, kept on hold for a VERY long time, and was forced to hang up after they could not resolve this charge.
Consumer complaint received 2024-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (WA)

I returned from XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ) in late XXXX. Afterwards I then learned of an account that went into collections while underway. I have not received anything from Velocity Investments , LLC. And have attempted contact 4 times asking for verification and informing of SCRA protections.
Consumer complaint received 2022-05-18
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. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (OH)

About 1 year ago I started to get calls about a payday loan which I never took out. I have never taken a payday loan. Over the past year, Ive received no less than a dozen calls to which I responded this debt is not mine. About 1 month ago I got a call threatening legal action and offering quick settlement before having to go to court. I explained the debt did not belong to me and that Id see them in court. My wife received a call on XX/XX/XXXX and again on XX/XX/XXXX. attempting to locate me. My sister in law received a call XX/XX/XXXX attempting to locate me. I received a call XX/XX/XXXX. I did not take out this loan and want the calls to me and my family to stop. There is no identifying company calling and when I call back the voice mail is only a series of numbers. Online search of the phone number returns XXXX XXXX XXXX
Consumer complaint received 2020-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion-XXXX  & XXXX  are ALL still listing a bill from orig. fro XXXX never heard of them I have ask numerous times for proof of ownership as I know there is NOE it is NOT mine I have been disputing this for years there is also a co borrower i have NEVER even heard of THIS COMPANY NEEDS INVESTIGATED AS XXXX THEM THEY HAVE DONE THIS TO THOUSANDS OF PEOPLE THEY NEED SUED I WANT THIS REMOVED FROM MY CREDIT REPORTS & ALL NEGATIVE REMARKS GONE AS IF THEY CANT SHOW OWNERSHIP I OWN THIS AFTER YEARS THERE NOT GOING TO -- -THEY HAVE HAVE SEVERAL COMPANIES LISTED NUMEROUS TIMES AS HARD INQUIRIES THEY NEED REMOVED THE DOUBLE ONES & ON MY STUDENT LOANS I AM ON SOCIAL SECURITY XXXX AND XXXX  I HAVE FILED THOSE SHOULD BE REMOVED AS LATE OR OWED THIS IS CRAZY THAT I HAVE FILED WITH THE FTC IDENITY THEFT & STILL THESE BUREAUS AFTER DISPUTING FOR YEARS NOW LET THIS STAY ON THERE CLEAN IT UP SO I CAN GET A HOME LOAN
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I reached for classes online for my children. I was called constantly by XXXX that offering classes and discounts for longer sessions. They gave me a trial session for eah child and then I decided to go forward. I opted to choose the 3mth sessions for each child and paid {$190.00} on XX/XX/20. Then he started asking to do trial for another instrument. I said not until I start receiving the classes for which I paid. Then I received a text that was timed at XXXX, " why did I not come line online, if I was having internet issues. '' I advised no such thing. Then was advised to use a link, could not access it, got no help and after that could not reach anyone for help. XXXX then said he quit the company. Then he said there was a server issue, how would he know that if he did not work there anymore. They would send a text when I complained but nothing when I respond. Once I asked for a refund heard nothing and then reached out to Wells Fargo, who gave a temporary credit and then rebilled us. 
I did get one request to close my dispute and then they will credit me but I did not trust that they would really do so. Also how does Wells Fargo accept the response from them, it was not even XXXX months when I contacted then, so even then obviously fee would be for 2 months at least refunded. This was information on XXXX email received XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX - XXXX || XXXX - XXXX || XXXX XXXX XXXX Headquarters : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SXXXX 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 2022-05-18
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. (CA)

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 states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
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: Experian Information Solutions Inc. (OH)

I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted Experian, XXXX & XXXX. This account does not belong to me.
Consumer complaint received 2020-05-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-05-18
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. (AR)

In accordance with the Fair Credit Reporting Act XXXX/XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, and 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 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-17
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. (GA)

Experian inaccurately reported on public record a civil judgment during time period the judgment was dismissed, XX/XX/XXXX to the end of the mediation program timeframe, XX/XX/XXXX. Experian failed to provide consumer history of credit report disclosures during the time period XX/XX/XXXX to the end of the mediation program timeframe XX/XX/XXXX knowingly would show that the ( CRA ) violated consumers substantive right to privacy. [ Boyd v. United States ( 1886 ) ]. Mr. XXXX XXXX Senior Vice President & General Counsel Experian on formal notice of the Mixing of Files and Information Shared to date, cause I.D . Theft/Fraud. OnXX/XX/XXXXconsumer received e-mail Experian General Counsel ; acknowledgement of my complaint of identity theft/fraud. ( " CRA '' ) admonition of data breach/cyber security attack has been documented.Experian 's defective disclosures resulted from failure to fulfilled statutory obligations ; constituted a reckless ; willful and wanton conduct that violated Fair Credit Reporting Act ( FCRA ), Section 1681g. Experian is liable under 5 U.S.C. 1681.
Consumer complaint received 2022-05-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (FL)

Collection Agency : Residential DATA LLC ( XXXX XXXX XXXX ) FIRST ADVANTAGE/NCAC. 

I XXXX XXXX want the Notation on all credit files and reports of false charges removed, for the following reason, I emailed the landlord multiple notices to fix property and to remove pests, rodents and roaches and the lease they are fraudulently over charging me {$6000.00} for the lease. 

Paragraph Provision 36 of Lease ( XXXX XXXX  ( XXXX XXXX ) XXXX I can send an email notification and they can communicate with me via email. Offices were closed due to covid issues with the apartment state standards. 

Lease notifications multiple email notifications of a 30 day notice were sent to the landlord, physical office and also via email, and maintenance portal from XXXX until XX/XX/2020. 

Multiple 30 day email notices to vacant 6 months before vacating property during covid were sent to notify the landlord. 


I emailed the landlord multiple notices to fix property and to remove pests, rodents and roaches that were never resolved and the lease they are fraudulently overcharging me {$6000.00} for the lease. 

XXXX  XXXX XXXX XXXX and Safety due to Roaches and Rodents they had 14 days to fix and did not fix the issue that started in XX/XX/2020 - XX/XX/2020. I am able to break the lease with no extra charges because they failed to fix the rodent and pest problem. 

Virginia State Tenant / LAW was violated by landlord 55.1-1234. Noncompliance by landlord. 
Except as provided in this chapter, if there is a material noncompliance by the landlord with the rental agreement or a noncompliance with any provision of this chapter, materially affecting health and safety, the tenant may serve a written notice on the landlord specifying the acts and omissions constituting the breach and stating that the rental agreement will terminate upon a date not less than 30 days after receipt of the notice if such breach is not remedied in 21 days. 

If the landlord commits a breach that is not remediable, the tenant may serve a written notice on the landlord specifying the acts and omissions constituting the breach and stating that the rental agreement will terminate upon a date not less than 30 days after receipt of the notice.

This has affected my ability to rent, or mortgage and credit score See lease PDF See Virginia State landlord law PDF View email notifications. PDF Contacted XXXX credit report ( was not removed ) It was removed from XXXX Credit Report
Consumer complaint received 2022-05-19
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)

FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3800.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Consumer complaint received 2020-01-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I reported fraud of XXXX charges XX/XX/XXXX - XX/XX/XXXX totaling {$470.00} XXXX did not know why I was charged said could be one of their 3rd party sellors USAA rep CHANGED MY REPORT from fraud to a dispute The dispute numbers that were changed from fraud are XXXX, XXXX, XXXX Everytime after when I called and asked about the fraud I reported reps reported fraud a second time and then a third time The merchants covered a lot but I WAS DOUBLED CHARGED CREDIT REVERSALS OF THE CREDIT NEVER GIVEN This is an accounting nightmare. One and a half years later XX/XX/XXXX USAA DECIDES IT WAS FRAUD AS I REPORTED USAA CLAIMS I DID NOT REPORT FRAUD XX/XX/XXXX I GOT A NEW CARD XX/XX/XXXX for unauthorized charges reported then USAA never reported
Consumer complaint received 2020-01-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (VA)

on XXXX XXXX i obtained this loan to which i believed was a 3 year personal loan and is illegal in the state of VA , this company is not licensed in this state at 281 % interest which is a payday loan not personal loan the total payoff is XXXX for a 12 months
Consumer complaint received 2022-10-31
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. (PA)

Transunion is willing noncomplying to my requests. 
This is not a Dispute I am requesting items I identified removed from my consumer report pursuant to 15 USC 1681c-2 as a result of identity theft immediately, I already disputed which I shouldnt have to if your are in Compliance there shouldnt be a Dispute items should be removed in 4 days and where the investigations evidence that you are in accordance.why havent they I received a update in mail this isnt proper action by a credit reporting agency who in compliance with FCRA standards See attached required information for block
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (OK)

I was given a Wisely by ADP paycard by my previous employer. The card has an app that allows you to track your deposits, balances, etc. In this app, if you click on the Direct deposit link, you are given information to give to an employer for direct deposit of pay. I changed jobs and gave them the direct deposit information on this page. Today I got my first paycheck from my new job. It is showing up in the app, but not as an available balance on my card. I tried to call the Wisely card number and they see no deposit. I then tried to call ADP and was told there's no one who talks to end users there. My money is there, the deposit shows it was sent to the account info attached to my card, but they refuse to give me access to it.
Consumer complaint received 2022-05-18
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. (AR)

In accordance with the Fair Credit Reporting Act 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, and 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 2. States a consumer reporting agency can not furnish an account without my written instructions.