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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XXXX XX/XX/2013 XXXX : {$2900.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-07-29
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 XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}
Consumer complaint received 2022-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have been trying many times to dispute an account # XXXX with Portfolio Recovery Associates continues to try tie this account to me. I have suffered many set backs in improving my credit and I am becoming extremely stressed in dealing with them. They sent information to be to verify an account that is not my name and an address I never lived at.
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (GA)

I believe my personal information was breached and I have requested these inquires to be removed from my credit file but Experian refuses to remove them. PLEASE DELETE THESE INQUIRIES I HAVE NO IDEA HOW THEY GOT ON MY CREDIT PROFILE. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Prior complaints that have been closed without sending to company for answers are : XXXX XXXX Also filing a complaint with the XXXX XXXX for the CFPB for deleting I wish to report and file complaints on employees XXXX in the XXXX XXXX IA XXXX XXXX XXXX XXXX Lead Escalations XXXX XXXX and XXXX XXXX Case Specialist for transacting with me as a mortgage customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I further wish to discredit the business practices of Wells Fargo that are continuously riddled with lack of integrity, underhanded, and deceitfulness that constantly subject them to investigations and fines - internally and externally - including fake account scandals, falsification of internal interviews, anti-money laundering, failure to pay imposed fines, lending practice violations, and the list goes on. 
Why should an institution like this be allowed to operate and why am I being held XXXX as their customer? No person in their right mind would ask a convicted XXXX  XXXX to baby sit for them and that is exactly what I am being subjected to as a customer by their refusal to allow my loan to be serviced by another company with scruples and integrity. They should not be ( https : //www.consumerfinance.gov/ ) Submit a complaint / Complaint filed PRODUCT OR SERVICE Mortgage TYPE Conventional home mortgage ISSUE Trouble during payment process CONCERNED ABOUT FORECLOSURE? 
No HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes MISSED PAYMENTS? 
No allowed to service any loans given the historical track record and treatment of customers and employees alike. 
I am amazed to find that once I filed previous complaints on this institution that to cover their XXXX they completed reviews all of my accounts, past and present, and started " finding '' money that was due to me, even so small as sending me a check to cover less than {$3.00} in overcharged interest, that was rounded up to {$5.00} as a courtesy, on a loan had been satisfied for over 15 years ... .why? STANDARD BUSINESSOPERATION PRACTICES OF WELLS FARGO ... HIDE EVERYTHING AND DO NOTHING UNTILCAUGHT AND THEN COVER OUR XXXX. Why in XXXX 's name is this institution allowed to operate on an ongoing basis? over $ XXXX in fines and violations in the past 22 years and over XXXX violations and convictions.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I have contacted Ally with an AFFIDAVIT for the VALIDATION of DEBT for account # XXXX, and a valid contract between me and ALLY with my wet signature. After 56 days, Ally has failed to reasonably respond to the changes to the contract I have submitted with my presentments. As a remedy to this, I have made a demand for zero balance, demand for the grant of my title ( CLEAR and FREE ), demand for the reimbursement of the downpayment of {$1000.00}, demand reimbursement of code violations in the amount of 21,000 for those code violations, demand for the cost of postage for {$100.00} and demand for removal from all consumer reports. This company has not responded to my presentments and as of XX/XX/2022, I have waited for 56 days and therefore VOIDS their claims against me and their security interest in the XXXX XXXX. The mailings above were sent via return receipt which I have that are signed by this company. The XXXX, XXXX XXXX, has been contacted as well. 
Due to the non-response, I am now sending my INTENT TO SUE.
Consumer complaint received 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (ME)

I am a XXXX XXXX XXXX  who uses an online/cloud based accounting system to run my business. I had an Elan Visa business credit card and closed it 5 months ago. I had my accounting platform linked to Elan to upload all transactions into my XXXX XXXX, which is a must for accurate accounting and tax purposes. I just found out that the link between the two was lost several months before I closed the account. Elan is now refusing to provide an electronic format of my transactions because the account has been closed more than 30 days. They acknowledge they have the transaction data in their database but refuse to provide a reason that they " can not '' provide an XXXX XXXX format spread sheet so that I can upload the transactions to my accounting system. It is not possible for me to hand enter these transactions in the online XXXX XXXX and my balance sheet and Profit/Loss statement can not be correctly produced without this data. It is beyond me why they would refuse to perform such a simple function as downloading a transaction list into a simple spread sheet format or send the past statements electronically and provide it to me. I always assume their must be a reason for any business to say " no '' to a costumer but they refused to offer any explanation what-so-ever.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

On XX/XX/2022 I disputed a debt unknown to me through XXXX XXXX from Portfolio Recovery. The account was not immediately marked disputed, nor have I received paperwork regarding the outcome of that dispute within the 30 days they have to send me one. I then received legal paperwork taking me to court on the XXXX of XXXX. I contacted portfolio recovery via the number given on the legal paperwork stating I had never received any information regarding this debt and requested all information be mailed to me. Again the account was not marked disputed, I did not receive said paperwork. Contacted them again on XX/XX/2022, was informed the account in fact had not been marked disputed but could be today, as well as my paperwork had just been mailed out that same day employee was unable to answer any of my questions. Contacted company again a week later as no paperwork had gotten to me, was informed it was sent, then the employee back tracked on what she had told me saying it shows I never requested any paperwork. After looking into all credit reports the dates they opened this account dont even match on most of them it shows multiple dates. This company has violated a few different FDCPA rules, and still has yet to get me any further information regarding this account.
Consumer complaint received 2024-09-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (CA)

On XXXX i sold computer to someone from XXXX XXXX. he ask to use venmo i said ok. i have used venmo many times for much larger transactions. 

I saw transaction come thru so he left, 5 mins later i see there is hold for the {$200.00}. I immediately called venmo, i needed my money right away The proceeded to tell me they need to hold my money until XXXX, i ask why would you hold my money- the guy has my laptop and is gone. They said sorry This is not posted anywhere and has never happen before to me. now i am stuck waiting for my money with no reasoning behind it other than we do some with some transactions. I said this is unacceptable and ask to please release my money. i need to pay bill Now i am reaching out to you for help
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

This report is for Experian Small Business Credit Report Service. 

I have been attempting to remove a Judgement from my Company 's Credit Report since XX/XX/2022. When I first attempted to get my free business report, they told me I wasn't elligible. So I purchased the Subscription to monitory my report monthly... I submitted a ticket to remove the judgement and sent them the documents showing the Judgement was not correct or owed. 6 months later, they told me that the judgement was correct and closed the case. I opened a second case to start the process over again. Still no response. 

They constantly give very little information or some direction on how to remove the judgement from our record that is not correct. They don't answer their emails and very rarely answer the phone or if they do answer they just say they are working on it. We won the case in court that shows on our record... but for some reason they still show that we lost the case. I have been unable to secure a line of credit for my business at a decent rate at a time when I need it most. I need help. This is damaging our business. I don't know how to get our record cleared at this point.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Equifax to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections XXXX and XXXX, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I already talked to the bank and they approved to repair of the account in my file. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

Company : VENMO My account was locked in XXXX ( ish ) time frame due to trying log in 3x ( due to could not remember password ). I reported the problem on Venmo website ( XX/XX/2022 ) and per their immediate response ( thru email ), they assigned this case to their special account specialist and there would be someone to contact me via email within 3 weeks On XX/XX/2022, I received email from XXXX XXXX ( support venmo ) that they asked me to post my US ID and a picture of myself holding the ID to their secure link. 

On XX/XX/XXXX, I responded back via email that I'm concerning the safety of posting my pictures on their web link ( even though per claim it's secured ). The concern was due to I have never been asked to do that by other security banks, phone, ect... to verify my identity. Within that email, I've requested for a phone call ( which I supply my phone # on that email ). 

On XX/XX/XXXX, I received response from XXXX which say understanding of my concerns but they have not provided other secure way to verify my ID. They stick to post my ID to their web link. 

On XX/XX/XXXX ( due to my unavailable schedule to check email, that's why I didn't check email often ), I called their customer service and start complain but this phone call could not connect to Account specialist ( based on their input, Account specialist won't have a direct phone call with customer but only via email ). After the phone call, I responded to XXXXXXXX XXXX email ( from XX/XX/XXXX ). I was very upset as nothing being done. In that email, I even propose to do video phone call to show my ID online face to face. 
On the same date ( after my phone call ) at XXXX PDT, I also received email from XXXX XXXX said that there was a one-time code sent to " ... someone else email '. This had prompt my response to why they send the code to someone else email. 

On XX/XX/XXXX at XXXX XXXX, I received email from XXXX which stating their concern about privacy and security but then again keep asking me to post my ID to their web. 

I responded back that what they said about their security is just their saying. There is no proof about that. I've requested again to do either video phone or I can go to their local office which I saw on their web page to do face to face for verification ( I asked for the correct local address ). 

There is no response since then. 

I'm very concern about their lack of privacy and security and the way they handle business.
Consumer complaint received 2022-10-19
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. (FL)

n accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Our company was subject to an email hacking incident around approximately XX/XX/year>. The target of this attack was client contact information for the purpose of initiating wire transfers. The hackers created a domain spoofing ours, and the hackers impersonated a staff member who had previously communicated with our clients about legitimate wire transfers to our company, and emailed them ( the email hack gave them all our clients ' emails ) attempting to initiate new wire transfers. They provided clients with a Citibank account that was fraudulently created in our name. On XX/XX/XXXX and XXXX, our own bank representatives and staff from our company called Citibank attempting to report the fraudulent account that was created in our name and that was actively attempting to initiate fraudulent wire transfers. Citibank said they not only wouldnt investigate this incident, they wouldnt even take our report or the fraudulent account number. We asked Citibank how to report fraud to their company, and they repeatedly said they would not take any reports of fraud regarding any of their accounts. At this time, it is unclear whether any of our other clients have been scammed into transferring money to the fraudulent account, which will likely be much worse due to Citibanks inaction and refusal to take reports of fraud. We reported this incident through the FBIs Internet Crime Complaint Center.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal. 

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. 

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.