davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX. I attached a letter from the court stating that they do not provide any information to any credit bureau, which these companies said they did a proper investigation.I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-11-19
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (NC)

This complaint is in regards to Zelle... I honestly can not remember the exact date of the issue, but I used Zelle once about XXXX or XXXX years ago to send payment for financial services, but I was scammed. My bank handled the issue of retrieving the stolen funds, but every since then I have not been able to utilize Zelle as if I was scammer! For awhile I was trying to log into my account and I would receive error codes. But then I noticed I was receiving different error codes each time I tried to log in, so I ended up contacting Zelle, but they did not give me a reason why I was unable to log into my account. I have a business now and some of my customers use Zelle, also some of the vendors I utilize.
Consumer complaint received 2022-10-13
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. (NY)

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

PayPal is attempting to collect an alleged debt that I do not owe. I entered into a consumer credit transaction, not a loan. They did not inform me that this was an attempt to collect a debt in our initial communication which is violating 15 USC 1692e ( 11 ). They are sending me a bill in the positive amount. I can not owe something that has a positive balance.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MI)

I received a letter in XX/XX/XXXX stating I owed money as a co-signer on an apartment in Florida. I called them and said it was not me. I received another letter XX/XX/XXXX stating I need to pay this debt, and the collection process has escalated. I never co-signed for any apartment. They have not send me any documents showing how I am connected to this. My name was used fraudulently and now they are trying to collect from me.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I recently opened a savings account with Citi on XX/XX/2021. My savings account application reference number # went under review & closed until I sent over documents such as a utility bill and my drivers license. After I sent the documents that were needed, I was told that the review specialist rejected my utility bill because they couldnt verify it. It is now XX/XX/2021, Ive sent the only utility bill I have more than 3 times and confused on why the utility bill I sent was rejected. The utility bill has my name and address on it. So XX/XX/2021 I also sent my lease agreement because it includes my water and trash bill. That also was rejected. Im very disappointed in how I was given the run around with multiple representatives telling me I wasnt going to be able to receive the {$500.00} back that I initially deposited from my XXXX XXXX checking account. Then some time in the beginning of XXXX a woman by the name of XXXX XXXX ( Executive Response Unit ) with Citibank Client Services contacted me to further assist me with more direct contact with Citibank verification department. She was the only one who explained a couple of things to me. She did let me know that I sent my lease agreement from last year and not the current year, which is why they rejected that. So XX/XX/XXXX, I sent the current lease agreement with the correct dates and also the water bill and trash bill that the apartment complex has the service with along with my payroll stub. They also rejected those with no reasoning. Everyday I have checked the Citibank mobile app to make sure my funds are still there, on XX/XX/XXXX the funds were withdrawn by Citibank and put in their ledger. On XX/XX/XXXX, XXXX called me to let me know that I wouldnt be able to get my money back until I was able to verify still when previously I was told that if I didnt verify they would close the account completely and mail me a check. But now its a complete lie that they told me. I even asked if they could just transfer the money back into my XXXX XXXX account and they wouldnt even do that. I needed the money for medical expenses ( XXXX ) and now Im behind on that bill because of this situation. It's been more than a month, all I want is my money to be refunded and returned to me.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$2200.00} .
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (TX)

At or around XXXX XXXX someone, I believed to be a friend of mine, arrived at my residence. We traveled to XXXX XXXX XXXX XXXX in XXXX, OK. 
When we arrived at XXXX XXXX XXXX XXXX ; I exited the vehicle, entered the casino and processed an ATM withdrawal of $ XXXX. We then began gambling. 
At some point I noticed my phone was missing. I then began to search for said person so that we could got check if my phone was in the car. I found my phone between the center console and front passenger seat. At that time, we agreed for her to drop me back off and left. 
A couple of days go by, and I went to use my Current Bank debit card for something and realized it was missing. I went on my phone to pause the card and that's when I found out about all the fraudulent transactions that had been made with my card. My account has been completely drained. 
XXXX I contacted said supposed friend via text message. When I questioned hee about the missing Current Bank debit card and the unauthorized debit card transactions, she admitted to making them. I told her that I was contacting XXXX XXXX Police Department, Current Bank and XXXX 
I filed the report and contacted both institutions. I provided both institutions with a copy of the report, and they both are giving me a huge runaround. Both institutions are claiming that their investigations " found no error ''. They don't want to credit my $ back, even though I followed due process. 
This is ridiculous. I've been doing research, and what these institutions are doing to me is unethical and illegal. 
I am a victim, and am being treated as if I'm the criminal.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX XXXX. I revecied my credit report from experian credit XXXX. I called them as I got my report today .. Mt report number # XXXX. Dated XX/XX/22. With alot errors on system. That failed to updates properly. The woman I spoke today at XXXX today she advised me it's is very common that these mistake happen on yout account often and it hard to fix them, the leadership XXXX XXXX XXXX experian failed to do his job ethical correct, I was advised that is experina job and duties to send customer wrong information on there credit report debliarity as a stall statistics. I ask them why does a address that doesn't belong is on my credit and there response was we have internal error on the sever. And its hard to fix. It's been over 120 days since I been asking for help and experian. 


Wrong address is XXXX XXXX XXXX XXXX MD XXXX. 

Wrong names. As well XXXX XXXX name I'd # XXXX .. these mistakes are happening to common .. putting other people data on my credit profile on purpose.. 

I also ask for help fixing my credit freeze and there system been down for a long time they told they can't fix it at all since there system been broken for 120 days and it my fault .. since experian website and system are failing..
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, I sent a wire transfer from my XXXX  checking account ( account number XXXX ) to a roofing contractor ( XXXX XXXX ) in the amount of {$5200.00} to his Cititzen 's bank account that I had sent transfers to in the past ( the XXXX transaction ID was XXXX ). The account number for his checking account at Citizens Bank was XXXX and his routing number was XXXX. When I sent him the confirmation information he informed me that the account had been closed. As a result, I sent a wire recall request to My Bank ( XXXX  ). The next day, XX/XX/XXXX, I called Citizens to request they return the funds. At Citizens ' customer service representative 's request, I added my contractor to the phone call and he authenticated ( SSN and security questions ) with the customer service representative and informed them that he had closed the account- this was confirmed on the call. 

My wire recall request details were finalized on XX/XX/XXXX and, over the next 3 weeks, XXXX sent several requests to Cititzens to return the funds since they had been sent to a closed account ( which, per above, had been verified with my XXXX on XX/XX/XXXX ). 

On XX/XX/XXXX, XXXX ( my bank ) informed me that Citizens would not send back the wire since they had " RECEIVED A POSITIVE RESPONSE FROM OUR CUSTOMER PLEASE HAVE REMITTER [ me ] CONTACT BENEFICIARY [ my roofing contractor XXXX XXXX ] DIRECTLY TO RESOLVE THIS REQUEST ''. However, they are telling my bank that I have to do something over again which has already been done. 

Just to verify that my contractor did not take the funds and lie to me, I made an attempt to deposit {$2.00} into my contractor 's checking account at a Citizens branch on XX/XX/XXXX. The teller at the Citizens branch was not able to complete it since the account had been closed- which they confirmed for me. 

Based on the information above, Citizens bank is unjustly keeping the funds that I have wired to a closed account from me and failing to return it to my bank ( XXXX ) and me.
Consumer complaint received 2023-03-28
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)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-11-02
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: CITIBANK, N.A. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DSNB MACYS XXXX  Opened Date XX/XX/2016 Balance {$0.00} // Charge Off
Consumer complaint received 2023-03-28
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$65000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$28000.00}.
Consumer complaint received 2022-06-30
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)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX {$590.00} / XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX