davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MI)

I received in the USPS mail a US Bank reliacard without requesting it. I have not filed unemployment or for any other government benefit. I didn't know what the card was for, I thought it may be for some refund purchase sometime in the past. I have received these types of Debit cards in the past, so didn't really think it was a big deal. Therefore, I registered the card using the US Bank Reliacard website. The amount on the account stated {$0.00}. On XX/XX/2020 I called the company and spoke to a representative. He said that he would close the account and recommended I report the fraud to the U.S. Government. The website registration asked for my name, last 4 of SSN, date of birth, address, and phone number.
Consumer complaint received 2023-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX {$3500.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written permission, consent, or instructions. 

I have sent several certified letters to this company notifying them of a fraudulent account. A contract with my signature has not been provided. A contract with an electronic signature was provided. The bank credited my account for these fraudulent charges. I even submitted documentation that showed that a fraudulent bank account was opened in my name and that thieves were transferring money out of my account. These thieves lived in California. This company failed to do a thorough and complete investigation and disclose documents to me from that investigation.
Consumer complaint received 2023-03-19
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: Lewis, McDonnell & Associates (CT)

I have contacted XXXX XXXX over and over again at the end of XXXX and now going into XX/XX/XXXX on the same matter- all collection accounts are paid, credit cards on a monthly basis are paid in full and I still get a poor credit score claiming the following reasons reported to credit wise : medical debt? - never had medical debt on my credit report, oldest credit card is 17 years old? - not sure why this would be up there? credit usage - again paid off 100 % at the end of the month when due to score points/dollars according to the credit card I signed up for. 

XXXX XXXX continues to score me at below average on credit used, recent inquires? new accounts? and available credit average. 

Not only did I get a recent credit report that cut off 10 pages of data, but the claim in their letter to me they take matters like mine serious ; y. REALLY???? 

If you have them pull a credit report and send me again, it will be riddled with errors and continue to keep my credit score at an all time low. 

I have been working on this since XXXX, reviewed my credit with an attorney who advised me what to do, and still they are not taking action to clean this up and move forward. 

They are causing me to hold off in getting a mortgage, qualify for poor interest rates on car loans, etc. 

At this point, I would like to have XXXX XXXX compensate me for all the troubles with them in the last 7 years.
Consumer complaint received 2023-03-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you to request that you verify and correct some of the negative items that I have found on my credit report. I have identified several accounts and personal information that I believe are either incorrect or questionable. 

Firstly, I am concerned about the account with XXXX, account number XXXX. I request that you verify the payment status, balance, payment history, comments, and account number associated with this account, as I believe they might be incorrect. Please correct or delete any incorrect information from this account. 

Secondly, I am questioning the validity of the XXXX XXXX XXXX account, with account number XXXX. I am uncertain about the name and number associated with this account. Therefore, I request that you clarify this information or delete the account immediately from my credit report. 

Similarly, the account with XXXX XXXX, account number XXXX, also has a questionable name and number. I request that you clarify this information or delete the account from my credit report. 

Additionally, I have found some personal information that is incorrect. The account number associated with the address at XXXX XXXX XXXX XXXX, AL XXXX is not correct. Please delete this address immediately from my report. 

Similarly, the account number associated with the address at XXXX XXXX XXXX XXXX, FL XXXX is also not correct. Please delete this address immediately from my report. 

Furthermore, the account with XXXX XXXX is not my employer. Please delete this information immediately from my report. 

Finally, the account with XXXX  is also not my employer. Please delete this information immediately from my report. 

Thank you for your attention to this matter. I hope that you will be able to make the necessary corrections to my credit report as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX I bought a car in XXXX  because of separation because my ex exposo he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to bu
Consumer complaint received 2020-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020 at XXXX XXXX, I placed and order for cleaning products totaling {$70.00} and paid the seller using PayPal. My bank account attached to my PayPal account was charged {$70.00} to pay the seller which is correct. 

On XX/XX/2020 I received an email from PayPal giving me details of the shipment with a XXXX tracking # XXXX. Upon checking the tracking number on the XXXX tracking site, I found the products were shipped on XX/XX/2020 and delivered on XX/XX/2020 to a commercial address. These products were shipped prior to me placing my order. 

On XX/XX/2020, I emailed the seller and explained I never received the shipment. On the same day, I sent another email informing the seller what I had learned from XXXX. I also sent a message to the seller through PayPal. No response was received from the seller. 

XX/XX/2020, I filed a claim with PayPal and received an automated email, shortly thereafter, the claim was denied. 

On XX/XX/2020 at XXXX XXXX, I called my bank and filed a dispute regarding the {$70.00}. 

On XX/XX/2020, I made a bad decision, and gave PayPal another chance to review my claim that was denied. The PayPal agent overturned the denial and decided the claim in my favor and credited my bank account the {$70.00} which showed on my bank account XX/XX/2020. 

On XX/XX/2020, my bank made a provisional purchase adjustment crediting my account {$70.00} pending the dispute outcome. They explained to me if PayPal credits me the money then the dispute would be closed. 

On XX/XX/2020, I called my bank and told them I was credited back the money from the seller and asked them to close the dispute. They said I could not close the dispute myself that they would need to hear from PayPal even though the credit was reflected on my bank account. 

On XX/XX/2020, PayPal applied a negative {$70.00} on my PayPal account stating I received two credits and need to pay them back their {$70.00}. 

From XX/XX/2020 to XX/XX/2020, I continually had conversations with PayPal through their message center informing them they just needed to contact my bank and inform my bank they credited my bank account the {$70.00} and my bank would reverse their credit and close the dispute. However, PayPal keeps stating it's between me and my bank. 

I have given PayPal my bank 's Dispute Department phone number and the case number. PayPal will not notify my bank of outcome. 

I'm not paying PayPal back the {$7000.00} when after 90 days my bank will make the decision to remove their {$70.00} having seen the credit on my account. 

How can PayPal place a negative balance of {$70.00} on my PayPal account without showing it in my activity as to why I was charged {$70.00} back? 

I'm totally frustrated with the entire process. I can't do anymore than I have to rectify the problem. 

I hope that you can help me as PayPal is not cooperating and charging me {$70.00} now. 

Thank you. 







On XXXX
Consumer complaint received 2023-03-19
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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. 15 U.S.C 1681c. section ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Acct # XXXX XXXX XXXX XXXX, acct # XXXX
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (NV)

Under 1681 a ( 2 ) ( 1 ) under exclusions and15 USC 1681 s2 I feel my rights have been violated. 

I had a loan from the department of education to attend XXXX. After I had already been paying on the loan, XXXX recalled the loan from Department of education and sent {$2400.00} to XXXX XXXX for collection. 
I requested then and am requesting now a copy of the original loan. 
My loans is also reporting conflicting amounts on all three credit bureaus because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account number XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Account number XXXX
Consumer complaint received 2023-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Under 1681 a ( 2 ) ( 1 ) under exclusions and15 USC 1681 s2 I feel my rights have been violated. 

I had a loan from the department of education to attend XXXX. After I had already been paying on the loan, XXXX recalled the loan from Department of education and sent {$2400.00} to XXXX XXXX for collection. 
I requested then and am requesting now a copy of the original loan. 
My loans is also reporting conflicting amounts on all three credit bureaus because of this. 

Trans Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Account number XXXX
Consumer complaint received 2021-08-13
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. (MD)

It has been well over 90 days and neither of these agencies have responded to my disputes. I am under severe distress. I am a victim of unfair, unlawful, and inaccurate credit reporting. These companies have violated FCRA 15 U.S. Code 1681b and 1681i. They have been negligent in there reporting and in their investigation. My right to privacy has been breached repeatedly and I have yet to receive any corrective action from them. I even contacted the courts to see if they gave them verification of any accounts or bankruptcies and they provided me in writing that they have never nor will they ever verify this information with credit reporting agencies therefore it is invalid and inaccurate.
Consumer complaint received 2023-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

This is in addition to the first Compliant I filed, XXXX .... 
The details I previous stated was how Wells Fargo was not applying my monthly payments to my loan, Every month the payment was made, yet on every monthly statement it Showed " Payment Not Applied ", And they walked me right out of my home. 
I wanted to mention that after many months of this and Wells Fargo forcing me into foreclosure Which was done intentionally. 
This destroy my life, They took my home which cause my wife to devorce me cause she blame this on me. So I lost the our house I had built for my family, My Marriage of 25 years destroyed, huge impact on my XXXX kids, and ripped my whole family apart. 
It was easy to see they knew what they were doing, to be able to take my home, along with the {$80000.00} in Equity .... I Never missed a Payment .... And here is the reason I'm filing another complaint because .... 
Near the end of all this unbelievable stuff they were doing... 
I called and spoke to XXXX XXXX, in the Executive offices of Wells Fargo. 
PLEASE NOTE : I had pleaded with XXXX XXXX and asked to allow me to send a Cashier Check for {$9000.00}, and I would next day air it to them, this is the amount they set me back on my loan... This would have covered all the payments they claimed I missed, but didn't... 
I asked this to save my house and my life, I said accept this payment and put my loan back in good status, Yet XXXX XXXX said No they won't accept this payment. 
Any Bank would allow anyone to make a payment that would cover anything missed, So why didn't Wells Fargo... 
Why .... Because they would have my {$200000.00} home, My {$80000.00} in equity and this is what they wanted, and Took ...... 
Anyone can clearly see exactly what they did, Destroy my entire life... 
all just for money ..... 
I needed to point this fact out because it shows exactly want they did... ..and I lost everything. All for Money .... Sad that a company would do something so evil and unlawful, and Not one person went to prison. Unbelievable ....
Consumer complaint received 2022-08-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Five years ago, I left XXXX XXXX in order to care for several family members. This resulted in a government overpayment of health insurance/leave benefits. The payroll processor, U.S. Dep't of Agric. Nat'l Finance Center ( NFC ), would eventually send the bill to collections and report it to the Treasury Dept. Bureau for Fiscal Services ( BFS ). I have been on a payment plan for the past 2.5 years. Additionally, XXXX XXXX XXXXXXXX XXXXXXXX XXXX, NFC began garnishing my wages for $ XXXX. Despite this, NFC and BFS REFUSE to update this information to the credit bureaus. Every month, they report it as continuously delinquent ( XXXX days late ). I have disputed this multiple times to no avail. The only action they have done is to update the balance, while continuing to report the account as late.Today, I was denied a mortgage due to " late payments '' and " delinquency on federal debt ''. The phone # s listed for NFC on each credit report are all out of service and have been for months. I have called every number listed ; it either rings as being out of service or there's no sound on the other line. BFS is a black hole. I tried contacting them in XXXX only to be told they had no record of the account I was referencing. I later discovered they were attempting to send the same account they were garnishing my wages for to another debt collector. When I finally got them on the phone ( just one time ), I explained that it was excessive to garnish wages for almost $ XXXX AND simultaneously send it to a bill collector. Their response was that " It gets the money faster. '' Is there any recourse at all? At a time when I'm trying to purchase my first home and XXXX ownership rates are already at such lows, this seems incredibly abusive.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I have been disputing with this company for months they continue to bully me and disregard my rights as an original creditor and consumer. It has been well over 30 days and they have yet to respond to the letters attached below. I never gave them permission to furnish these accounts on my credit report nor do they have permissible purpose to report this information. There reporting is inaccurate and unlawful. They have ignored FTC reports, police reports, and multiple letters that prove this information is inaccurate. These accounts include a US DEPT OF EDU Acct # XXXX & XXXX XXXX XXXX  XXXX Acct # XXXX. This agency is in clear violation of 15 U.S. Code 1681b - Permissible Purposes of consumer reports which protects me from this kind of negligent and unfair reporting.
Consumer complaint received 2022-08-09
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. (GA)

I have been a victim of identity theft due to the Equifax XXXX XXXX and I need the accounts listed in my documents provided in this complaint immediately blocked from my credit report. I am demanding these accounts to be removed or blocked based on the legislation outlined in 15 USC 1681c-2 ( c ). Please also reach out to the 2 other credit bureaus ( XXXX and XXXX ) and let them know to remove this fraudulent information as well. I've attached my SS Card, A copy of my passport, a UCC 11 Filing showing that there is no debt in my name in the State of Washington, and an up-to-date FTC Report. 

Thanks!
Consumer complaint received 2022-08-09
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. (IL)

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP (WA)

I had several strange messages left on my phone ( XXXX ) XXXX that I did not recognize. The messages referred to a XXXX from XXXX XXXX XXXX and in referencing my property and they said if I did not call, I would be forwarded to my local jurisdiction. After two of these messages, I decided to call out of curiosity. A man named " XXXX XXXX '' answered the phone. He stated this was regarding a " debt '' from US Bank. he said the initial amount of debt was over {$3000.00} dollars and they were looking to take my property. I informed him that I did not receive a letter from the company and had no idea about the debt. he offered to settle the account for XXXX. I provided my debit and credit card information in good faith and if this was a valid debt, I would like to have paid it off. I signed several documents through XXXX. I was speaking to my girlfriend who told me there was a XXXX fraud going on regarding debt collections. Since this was a debt that I was not aware of. I happened to call US Bank to verify the debt, but the call center operator could not confirm the debt, in spite of being given the account number. Having reviewed the documents, the names on the documents were not consistent. I tried to find the Collections company but only found a similar company in XXXX, NY. Not in XXXX, CA. The name " XXXX XXXX '' is attached to XXXX information.