davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$5400.00}. 
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 onXX/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.

-- COLLECTION ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Consumer complaint received 2021-02-25
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)

All 3 credit bureaus have received a dispute about the following 7 accounts ( Bankruptcy, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX XXXX ) SEVERAL times which states that the information is not accurate. It is clear from the credit report I have attached that these accounts are reporting differently with each of the 3 bureaus which confirms that it is not reporting accurately. 

Please help me to have Experian, XXXX  and XXXX following federal law and remove all information that is inaccurate or incomplete as per the FCRA.
Consumer complaint received 2022-12-19
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. (MS)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

WELLSFARGO BANK DISCRIMINATED ON MY CREDIT CARD AND CHEEK ING, ACCOUNTS. I'VE ALREADY REPORTED THIS, TO THIS. 
COMPANY NOW THEY ARE MAKING UP FALSE, DISPUTED REPORTS AND FRAUDULENT INFORMATION UNDER MY ACCOUNT SENDING TO ME, WHICH I DIDN'T STATE TO WELLSFARGO FRAUDULENT AND DISPUTE DEPARTMENT. THEY ARE TRYING TO PUT WORDS IN MY MOUTH, I DIDN'T SAY OR SPEAK. THIS IS WRONG AND INJUSTICE I HAVE THE DOUCEMENTATION THEY SENT TO ME, ALL THIS STARTED AROUND XX/XX/XXXX, TO PRESENT. I '' VE TRYED TALKING WITH THESE PEOPLE 'S WHO WORK FOR WELLSFARGO. ON XX/XX/XXXX, WELLSFARGO COMUSTER SERVICES REPORTSENTITIES HUNG UP THE PHONE, ON ME ABOUT, 10. TIMES EVERY TIME I CALL BACK THEY ASK ME THE SAME QUESTION AND I GIVE THEM THE RIGHT ANSWER THEY PUT ME ON, HOLD AND HANG UP THE PHONE AND OTHER TIMES THEY FIND A REASON TO HANG UP ON ME, AT THIS TIME I'AM VERY UP SET FEELING SAD AND HURT BECAUSE I'VE REALLY TRYED TO TALK TO WELLSFARGO FOR ALMOST TWO YEARS I'AM RESOLVED WHAT ELSE TO SAY OR DO PLEASE HELP ME CONSUMER FINANCE OF THE UNITED STATES, GOVERNMENT I REALLY NEED A SECOND VOICE, I SAY AGAIN PLEASE HELP ME C. F. P .B . .. THIS IS MY SECOND TIME REPORTING THIS TO THE, C .F .P .B. THE FIRST TIME WAS BY PHONE, THIS SAME MONTH. BUT I KNOW THESE THINGS TAKES TIME, I'M ONLY GIVING A UP DATE OF WHAT'S STILL HAPPENING TO THIS DAY,, XX/XX/XXXX,, XXXX XXXX.
Consumer complaint received 2020-10-13
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. (OH)

Credit Bureau Dispute Affidavit XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX SS XXXX DOB XXXX I have noticed several unauthorized accounts on my credit report where someone has used my personal information to obtain multiple bogus accounts. These following accounts were created without my knowledge : XXXX # XXXX, XXXX XXXX XXXX # XXXX I've requested documents from the companies mentioned above. I never received anything. 


All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is my only number XXXX ) XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( 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 2020-10-13
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: EQUIFAX, INC. (CA)

I applied for a XXXX  credit card a few weeks ago but I was not approved and when I received the letter in the mail stating the reason why I was not approved, it said that I was not approved for the credit card because there are accounts in negative standing on my credit report. I didn't know what accounts they could be referring to so I looked through my credit report and I saw two accounts on there that do not belong to me. The accounts are from these companies. XXXX XXXX XXXX for an amount of {$26000.00} and XXXX XXXX XXXX for an amount of {$4700.00}. These accounts do not belong to me ; I did not open them and I did not allow anyone to open them on my behalf. I do not have any written/verbal contract with these companies nor did I benefit anything as a result of thes accounts that were opened in my name such as money, goods, services, or any other benefit. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (PA)

On XX/XX/2020 I transferred a total of {$570.00} from my bank account into my newly created " Coinbase '' account. " Coinbase '' is a platform used to buy bitcoin / crypto   currency. Weeks after my investment, " Coinbase '' shrunk my account down from {$570.00} to just {$300.00}. In other words, roughly {$270.00} went missing / has been stolen. After many attempts trying to gain clarity, " Coinbase '' stated this had happened because my bank account had insufficient funds the date of the transaction. However, after contacting my banking institution, they found the funds to be sufficient at the time of the tranfer, debunking the false claim made by " Coinbase. '' Long story short I have been robbed and something needs to be done about it. Case # XXXX Coinbase.com XXXX XXXX, CA XXXX
Consumer complaint received 2020-10-13
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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 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 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (DC)

Comenity Bank - XXXX XXXX  has NOT been reporting my payments to any of the three credit bureaus since XX/XX/2020! I have bank statements and XXXX XXXX  account statements confirming " on time '' payments every month. But if you look at my XXXX, XXXX  and XXXX reports they all show X 's for  the past six months to date?? I am now paying more each month then my minimum payment due and there still is incorrect reporting on my credit reports. For the past few months I've gotten a Credit Help Agency to dispute the false report. No change. I called XXXX XXXX/Comenity Bank Customer Care last week. They confirmed all of my on time payments and saw that I was paying more than the minimum required. They could not understand why the credit agencies were not reporting it. PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX   and XXXX.
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (PA)

My car loan is with PNC Bank. My car was repossessed on XX/XX/2020. I was not home when it happened. The repo company came to where I was and repossessed my car. I had spoken to PNC Bank on Friday XX/XX/2020. The teller I spoke to recommended that I schedule a visit with a PNC advisor. I thought this was a good idea. My car was repossessed before I could meet with an advisor. I never received any official writing from PNC in the bank. I was not given a chance to get current, nor was I given any kind of notice about repossession, or the possibility of repossession. I feel that PNC Bank was being punitive in repossessing my car, because I mentioned that I was thinking of trading my car in so I could start over.
Consumer complaint received 2020-10-13
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: ERC (NC)

On XX/XX/2020, Enhanced Recovery Collections add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Enhanced Recovery Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Hi! I submitted a separate complaint recently about XXXX XXXX that has been resolved if you wanted to see more context but the major issue was with Venmo. In short, on Thursday XX/XX/XXXX I received a " spam bomb '' to my inbox and in there was a notice my primary email address on Venmo was changed. In addition the listed cell phone number was changed. I suspected easily preventable fraud was incoming so contacted Venmo, as well as XXXX XXXX whom my Venmo is linked to, asking to stop any future transactions on or related to Venmo. In addition I had Venmo freeze my account and was hoping to get my log in information reverted back to my actual email address and phone number. Venmo itself wasn't taking phone calls given COVID so an email was sent and responded to by them, freezing my account and I thought I was double covered. 

On Tuesday XX/XX/XXXX, after the stop orders and freezing of accounts should have been in effect, I wake up and find two unauthorized transactions have been sent from Venmo to my XXXX XXXX account, totaling ~ {$3000.00} and Venmo had drained my XXXX XXXX checking account to the point there was an overdraft and assorted fee. These occurred late on XX/XX/XXXX? I message Venmo back to inform them of this and to shut down my account as to this date they have still been unable to revert the associated frauded phone number on the account back to my actual phone number. In addition, Venmo denied both disputes within minutes of opening the case on each, ~a week after this preventable fraud, though I got the money back from XXXX XXXX so was not harmed by this. Payment IDS were ID # XXXX and ID # XXXX. 

Venmo has now refused to shut down my account unless I provide them with even more information such as a picture of me with an ID and I don't trust them with more information than they have so my Venmo account is still open. In addition, I can't even reset the password as I need to verify a change with the phone # associated with the account which is now a fraud phone number I don't have access to.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Earlier this year, my savings account at XXXX was transferred over to Citizens, where it became their Online Banking checking account. I was not initially aware of this, as the account package was sent to my old address, but the new account had monthly fees and a lower interest rate so I did not want it. Four months ago on XX/XX/XXXX, I closed the account at Citizens, at which point I was told that " an official check in the names of all account holders will be mailed to the address on file within the next 5 business days. '' This check never came. I followed up on XX/XX/XXXX, and then XX/XX/XXXX. I have still not received the closing balance, despite assurances that I would. At this point, I have no faith that I will be made whole without issuing a complaint, and I believe I have been exceedingly patient in this matter.
Consumer complaint received 2020-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TX)

To whom this may concern, I have an issue with my current loan Advance financial. I had applied and approved for a loan for {$250.00} which I was making payments for about {$56.00} per pay check. Now I went ahead and on the website and refinanced the loan but for the wrong amount which I instantly returned the funds within the same day, the amount was {$2200.00} and sent the cancelation document for the loan the same day actually the same hour. I reached out to their contact center and talked to an Agent who explained to me that was you cancel the loan they would revert the loan back to its initial loan amount of {$250.00}. The agent explained to me that they will open a ticket on the XX/XX/XXXX to handle the matter All this happened back in XXXX. I have called constantly for the last 2 months to get an update on this but all I get is the finance department has a ticket on the matter. I noticed that on their site it did not change anything and instead showed the previous loan amount of {$2200.00} and that I owed {$650.00} on XX/XX/XXXX. I found this very concerning and got me anxious. I reached out to their contact center rep and each time they stated that it was canceled and that finance has a ticket open to fix the issue and get my loan to the previous {$250.00}, each time I would reach out, and this has been more than dozen times I never got a straight answer and would request a supervisor call and never received a call from a supervisor till this day ( Almost 2 months later and more than a dozen calls ). 

Today XX/XX/XXXX I spoke to rep who instead told me very contradicting information and had me highly concerned about the issue, she was stating I still owed {$2200.00} plus interest for a loan I never took or used due to it being appended to the previous loan. I explained to her that should not be the case as I canceled the refinance loan and provided adequate documentation to this matter to cancel the loan. It seems that the organization is not following correct guidelines and is instead using predatory practices to extort customers. I have been calling for more than a month to get a solution to this matter and it is unacceptable that I hear contradicting information and also to be charged for a loan I never took or used, one of reps on the call dating back to XX/XX/XXXX explicitly stated that the refinance loan is canceled and your previous current loan would be upheld. Today on their site I see I owe {$2700.00} and a payment due of {$650.00} on the XXXX, this is wrong and unacceptable. 

I requested more than 5 callbacks from them asking for a supervisor but not once did I ever get a supervisor to call me. No call records from them calling back. 
They have to be stopped as they are ruining lives. Advance financial purposely refused to give me correct information and instead gave me contradicting information in regards to the matter.
Consumer complaint received 2023-03-30
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. (OH)

I have identified information on my reports that are a result of identity theft. These items are not a result of any action by me. I have attached the FTC Identity Theft report.
Consumer complaint received 2024-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested Transunion remove a freeze on my report. The company would not allow me to speak to a representative Stateside in the United States although I requested this several times. I was informed that I was permanently blocked from online services due to being a victim of identity theft prior. This further victimizes me by not allowing me ease of access to services that every other subscriber is. Due to their refusal to allow access to my report I was unfairly denied for a service. The company continuously proceeded to ask me questions that were supposed to be related to myself and my credit file that had absolutely no relation to me. I called repeatedly on several occasions and tried to explain but could never speak to a competent manager in order to look into this further and offer a resolution. I am also attaching a copy of the demand letter I mailed to Transunion.