davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
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: Carvana Group, LLC (NY)

On XX/XX/XXXX I inquired to purchase a car with Carvana, the run my credit and say I was pre approval pending to some verification, they requested proof of income in the form of 3 months of bank statements, after they got the bank statements they mention they could no approved those documents and they will need evidence of me owning a business what i did, after it I receive an email saying they couldnt move forward with the approval because I havent provide a Registration and Insurance Card in order to move forward with the review to either approve or declined the loan, since I am not willing to insurance a vehicle I do no know if I could get approved for I asked the company to deleted the application and since the way they advertise the service is absolutely different than my experience I call then to request of the removal of their inquire to my credit but found myself in a circle calling they do no have an specific department that handle this inquires so I am trying to get Carvana to deleted any related account and also their credit inquire from my credit report
Consumer complaint received 2022-01-31
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. (TX)

Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a formal complaint against TRANSUNION located in XXXX XXXX XXXX XXXX, PAXXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary XXXX  XXXX  XXXX  distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TRANSUNION has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Close date is reporting as incomplete. 
How can a closed account still have a pas due amount? 
Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate? 
How can a closed account still have a pas due amount?
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hey my name is XXXX XXXX XXXX XXXX and Im here to report a fraudulent XXXX credit account that was opened using my information. 

This account was then maxed out and charged off by the XXXX credit company. 

This account has negatively impacted my ability to obtain good credit. 

I disputed this account with XXXX XXXX XXXX deleted the account so how is it that TransUnion and XXXX still reporting it?! 

This account isnt mine and it was fraudulently opened! Please removed this account from my credit Reports by TransUnion XXXX XXXX 

Thank u
Consumer complaint received 2021-11-21
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. (GA)

on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXX. XXXX us code XXXX was not disclosed to me either this is also violation of XXXX law. XXXX usc XXXXa was not disclosed to me. XXXX XXXX  is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to stress and unlawful use of my consumer report
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (CA)

XX/XX/21 - I created an account with Gemini, a digital asset platform operated by and proprietary to Gemini Trust Company , LLC. 

XX/XX/21 - I deposited {$500.00} USD into my Gemini account via debit card. This was allowed to occur prior to Gemini identity verification process completion. 

XX/XX/21 - I purchased XXXXXXXX XXXX for a total of {$480.00} USD. This was also allowed to occur prior to Gemini identity verification process completion. 

Created customer service tickets regarding identity verification completion delays XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Received automated responders only. 

As of XX/XX/21 - The Gemini identity verification is still pending. I can not access my digital funds to withdraw or transfer.
Consumer complaint received 2022-02-01
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PENNSYLVANIA ) XXXX
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (TN)

On XX/XX/2021, I discovered that my child support card issued by the State of Tennessee was missing from my wallet. Immediately after discovering the loss, there were several unauthorized charges totalling {$3100.00} to my child support card. The card was a Mastercard.. I immediately called the fraud services line and reported the theft of the card and the unauthorized charges. I promptly filled out the report form provided by the card issuer and despite writing a followup letter and a subsquent letter from my attorney, have gotten no response from the card issuer.
Consumer complaint received 2021-01-20
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax Credit Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX requested a copy of police report in order to remove from credit report, company never respond after sending necessary documenation in XX/XX/XXXX.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NJ)

I am writing today in regards to my account with DSNB Macys Account # XXXX. The reason for writing today is in regards to the late payments showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payments in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.
Consumer complaint received 2019-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I was contacted by XXXX in regards to a job with XXXX XXXX on XX/XX/XXXX. These people pursued to offer me a position and send me a " bonus '' check on XX/XX/XXXX. Through my PNC Application, I uploaded pictures of this check and PNC accepted the mobile deposit. I waited the appropriate timeline per our customer agreement for PNC to clear the funds and release the funds into my account prior to making any transactions. I made two separate transactions several days after PNC released the funds, at this time the check had been deposited into my account. A few days later, PNC withdrew the check from my account claiming insufficient funds, as a result of a fraudulent check from the aforementioned XXXX XXXX, causing my account to be overdrawn. When I became aware of this, I immediately went into the PNC on XX/XX/XXXX, to discuss the issue and the overdraft. During the discussions, I was told that PNC was going to open two disputes within PNC in regards to the fraudulent checks. I asked to dispute the fraudulent check and asked why PNC would release funds into my account without verifying the funding source. I also inquired about why PNC would allow transfers out of my account without verifying I had those funds in my account as well. I was also told that PNC would defer my overdraft fees at least 30 days after this was resolved and they had lied to me about this and started charging me the day they denied the disputes on their end. PNC has informed me on XX/XX/XXXX that my disputes were denied, however my disputes were filed within XXXX, regarding the transfers out of my account. There were no disputes placed on PNC for the Fraudulent check and PNC 's verification process behind transfers in or out of my account. Today, XX/XX/XXXX, I called a number given to me on the dispute to obtain documentation regarding the resolution. The lady from PNC told me that there were no documents and also that there was no way to dispute Fraudulent checks within PNC. Since there is no formal dispute for Fraud, she offered to leave a note from a supervisor to contact me. 

I have also contacted the FBI and my local police department in regards to this situation. Ultimately, my issue lies with PNC not performing internal controls around customer deposit accounts or performing due diligence for checks coming in from financial institutions or performing due diligence/settlement procedures for customer deposit accounts prior to funds release. The financial institution 's lack of controls and due diligence facilitate and enable fraudulent behavior and allow malicious agents to continue to defraud consumers while PNC profits from their deficiencies and the bad actors via assessments of overdraft fees.
Consumer complaint received 2021-11-21
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: Experian Information Solutions Inc. (GA)

on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXXf. XXXX us code XXXX was not disclosed to me either this is also violation of XXXX law. XXXX XXXX XXXXa was not disclosed to me. XXXX XXXX is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report
Consumer complaint received 2024-12-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc. (NJ)

On XX/XX/year> I received a collection letter for medical services, I sent a written response the same day, I have confirmed that SAVIT COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Received my response. I did not receive a response from the agency. The unverified and contested debit was put on my credit report on XX/XX/year>, with no explanation no response and no explanation. This has destroyed my credit.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I received a phone call at XXXX XXXX  PT on XX/XX/XXXX. My phone showed the call to be from Wells Fargo Bank ( XXXX ). The individual identified himself as an employee of the fraud department at Wells Fargo bank ( where I have my checking and savings accounts ) and that he was calling to alert me of a possible fraudulent transaction of a XXXX transfer of funds out of my savings account. He identified that the funds had been sent to 'XXXX  ' at XXXX XXXX. He questioned me about whether I had initiated various transactions form my bank accounts, showing that he had accessed my banking accounts at Wells Fargo. He never asked, nor did I volunteer, any personal information. He provided a name ( bogus ) and an employee ID number ( also fraudulent ). 
He indicated that the way to restore my funds was to do a reverse XXXX transfer back into my account. Over the next XXXX minutes, he walked me through the process to 'restore my funds ' -- this involved setting up a XXXX transfer with me as a recipient through my email address. At the end of the call, he stated that the funds were now back in my account and he thanked me for being a loyal Wells Fargo customer over the past 30 years ( only something he would know by accessing my accounts ). .He told me that he would call me back the next morning to assist me in changing my ID and password to protect my accounts. 
When he did not call me, I contacted Wells Fargo and learned that there was no employee under the name and ID number that the scammer had provided and also learned that the {$3000.00} had actually been transferred out of my savings account to XXXX XXXX where I believe that the scammer had an account. I have two claims open at Wells Fargo bank as of XXXX XXXX. To date, there has been no investigation initiated by them in response to my claims, no temporary credit provided for my {$3000.00} loss. Every time I call the bank, I receive conflicting information. On XX/XX/XXXX I was told that my claim was expedited up to the executive level due to the nature of the fraud alleged by me, but today I was told that was not the case since there has been no assignment of a case manager and absolutely no investigation started. I spend 2-3 hours a day speaking to various Wells Fargo employees who are rude, incompetent and useless in assisting me to get my stolen funds returned. 
I believe that this theft was committed by a current or former Wells Fargo employee with access to my bank accounts. I desperately need the funds that were stolen from me. Please help.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC #  XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX
Consumer complaint received 2020-11-19
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. (FL)

The Credit Bureau and TransUnion are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows TransUnion Reports the following accounts that are not mine and proof supporting that was provided XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX. 
I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureaus
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (OR)

In the briefest way I can explain, I am currently a victim of XXXX XXXXXXXX and am in a long process of extracting myself and my young son. For a brief period I stopped using my American Express card so that I might have an emergency credit card in my name only in case I needed to flee. Because I didn't use the card for XXXX months, Amex cancelled it even though I have been a XXXX year member in good standing, with a XXXX balance and had paid the annual fee. Their records said they sent a notice by mail, which I did not receive. Just XXXX notice. 

I am not interested in resuming business with Amex. My real issue is that it was my longest-held credit card and its cancellation had a real impact on my credit score - the score I'm going to need to find new housing when this nightmare is over. When I contacted XXXX to determine the damage and what I might be able to do about it they were unable to tell me. They said because of the complexity of the variables used to determine credit-worthiness it was impossible to say what impact this particular cancellation had. If I wanted to dispute something I could - but there is nothing to dispute. I am left with a damaged credit score for doing absolutely nothing wrong except not making American Express money during a brief period.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Enhanced Recovery is showing a debt from an XXXX XXXX XXXX account from XX/XX/2020 that does not belong to me. My cell service is. through XXXX and I have had the service for approximately 3 years. My cell phone number with XXXX is XXXX XXXX XXXX XXXX.