davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

On this date XXXX  company opened a collection. 
Account # XXXX {$2100.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus XXXX XXXX
Consumer complaint received 2023-03-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

XXXX XXXX I Notified XXXX XXXX OF AN UNAUTHORIZED WITHDRAWAL, FROM AN UNAUTHORIZED DEPOSIT FAILED TO INVESTIGATE. CREDIT ACCOUNT DURING INVESTIGATION OR NOTIFY. 
Failed to provide mandatory disclosures required or permission to create and deposit funds into portal for EFT transactions according to EFT ACT. 


Re : Account ending in XXXX. Investigation Results Dear XXXX  I am writing to request an immediate update on the investigation into the unauthorized transaction that was made on my account on XX/XX/2022. As per our previous conversation on XXXX XXXX, I was informed that an investigation was being conducted to determine the source of the transaction and to rectify any potential issues with my account. 

However, it has now been more than two months since the investigation was initiated. and I would like to remind you of the time allowed for initial requirements and penalties for non-compliance with 15 USC 1693m. Credit account within 10 days of consumer notification the amount unauthorized. Notification to consumer in writing of investigation results, no longer than 3 days after conclusion of results. If a financial institution fails to comply with the requirements of this statute, it may be liable for actual damages, statutory damages of up to {$1000.00}, and treble damages in the amount of the actual damages or {$5000.00}, whichever is greater. 

As a customer of your institution, I have the right to know the status of this investigation, including any actions that have been taken to prevent similar unauthorized transactions from occurring in the future. Additionally, if there were any charges or fees associated with the unauthorized transaction, I expect to be informed of the steps taken to refund these charges. 

As a reminder, I have previously provided you with the following information : The date of the unauthorized transaction The amount of the unauthorized transaction The specific details of the transaction I urge you to provide me with an immediate update on the investigation 's status and let me know the expected time frame for its conclusion. If there are any updates or changes to the timeline, please inform me promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Go back in 2015 I was homeless I had nowhere to go and I had an account with Wells Fargo and they claimed that I use my account when my wallet and my car was stolen so I had no access to my account and when I tried to ask my account they told my account was being closed because of project activity that I did not do
Consumer complaint received 2020-11-24
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.
Consumer complaint received 2023-03-07
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. (MA)

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 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-07
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. (TX)

This is my NUMEROUS 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 Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX, XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Consumer complaint received 2023-01-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY (NY)

2012 applied for XXXX XXXX XXXX WELLS FARGO obtained XXXX personalnloans in my name first a XXXX personal loan and then a XXXX personal loan the WELLS FARGO XXXX XXXX employee KEPT the $ from the XXXX personal loans and NEVER MADE XXXX PAYMENT these illegal loans brought my credit score from XXXX down to XXXX. 
WELLS FARGO was caught by the XXXX and apoligized in a phone call and then redacted the 'loans '!! XXXX  WHERE IS THE MONEY?? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (NY)

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 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Below are the claims that have been denied. Citibank has disregarded my rights under the credit card agreement. The merchant has not honored these purchases as I can no longer access my account for switch I paid for. 

{$54.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$33.00} on XX/XX/2023 {$65.00} on XX/XX/2023 {$33.00} on XX/XX/2023 2023
Consumer complaint received 2024-11-06
Product: Credit reporting 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)

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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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. ( 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE FARM BANK, FSB (NV)

I was lock down overseas due to Convid-19. my StateFarm account was charge with unauthorized amount {$50.00} by merchant company called XXXX a merchant account that is closed. The {$50.00} debit from close XXXX return to State Farm account and State Farm close my account checking account saying - {$25.00} owned and reported the account to XXXX. 

New ( XX/XX/2020 Tried to dispute XXXX charges but StateFarm agent XX/XX/2020 couldnt see any transactions in the closed account tried to get a specialists tried but couldnt get hold of one I wish to have XXXX account to be reopened and XXXX reporting information removed entirely from XXXX  database
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

My complaint is against Credit Control LLC which has called me 4 times in the past 6 days. I am on the do-not-call list and have been for many years. 
Call # 1 from XXXX on XX/XX/XXXX at XXXX XXXX  was robocall which I did not answer, but blocked that number on my phone. 
Call # 2 was from XXXX again on XX/XX/XXXX at XXXX XXXX. I again ignored the phone call and it left no message. 
Call # 3 was from XXXX on XX/XX/XXXX at XXXX XXXX. I did not answer the robocall but called the number back and spoke with a representative. They were looking for XXXX XXXX. I informed him that no such person was connected to my phone number for at least the past 15 years. I also informed him I am on the do-not-call list and told him not to call me again and to take my phone number off their list. He said he would correct the list. 
Call # 4 came today XX/XX/XXXX from XXXX at XXXX XXXX. I did not answer the robocall but I called that number back. The representative said they were looking for XXXX XXXX, and I explained again that no such person is connected to my phone number. I told him I was on the do-not-call list and not to call me again. 
I am frustrated as XXXX with XXXX XXXX which daily interrupts my life, which defies the do-not-call list and my repeated requests to stop calling me.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (MI)

I am able to make deposits of over {$100000.00} but they limit my withdrawl to {$25000.00} with a waiting period of 3 to 5 days to make another withdrawl. I needed a {$50000.00} withdrawl and now it could take up to 10 days to receive it. That is absurd in these days and times. The bank is SYNCHRONY BANK!!!
Consumer complaint received 2023-03-07
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: Uplift, Inc (IL)

To Whom It May Concern : I'm preparing to purchase a home, and I received a copy of my credit report. I noticed an account from Uplift INC, Account number XXXX, and In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. In accordance with Fair Credit Reporting Act, this creditor, Uplift INC, Account Number XXXX, has violated my rights. Under [ 15 U.S.C. 1681 ], Section 602 states that I have a right to privacy. [ 15 U.S.C. 1681 Section 604A Section 2 : further states that a consumer reporting agency can not furnish an account without my written instructions. [ 15 U.S.C. 1666B ] states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. For the reasons stated above, I request the late payments be removed from my consumer credit reports, all three credit reporting agencies ; XXXX, XXXX, and XXXX.
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

Using the Venmo app I added {$200.00} from my bank account, it never appeared in my Venmo, so I call and they tell me it was refunded because of insufficient funds, I check my bank statement and I see that the {$200.00} did go through, the bank even charged me a {$36.00} overdraft fee for covering it. It was completed and finalized. None of this transactions appears in the Venmo app. I talked to XXXX different customer service employees but now I can't get a response. And also when they " refunded '' the money back to my account, the bank charged me a fee again. They took my {$200.00} out of my account without my permission then lied about it being there, I have all the bank records
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 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 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (TX)

I have been charged by the same merchant 4 times with at least 2 of those being after I have gotten a new credit card number. The most recent one ( XX/XX/XXXX ) charged my card after the company supposedly sent an email to Visa to block this merchant from charging my card. I have opened disputes with my credit card company for every one of these charges and have yet to hear anything back other than them asking for information that has already been provided multiple times. In fact, I had a call with a case processor scheduled to give them this information and when I mentioned that I had already provided this, she responded with I see that here, we already have it. And this was after I had to fax them the information. I have attached letters informing me that a dispute has been made. This is the only update I have received. 

Dates of charges : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-07
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023, 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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XXXX - {$1400.00} XXXX - XXXX - XXXX - {$00.00} XXXX XXXX  XXXX- XXXX - XXXX - {$750.00} XXXX XXXX XXXX  XXXX - XXXX - {$5700.00} XXXX  - XXXX - XXXX - {$5800.00} XXXX XXXX  XXXX XXXXXXXX - XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$8100.00} XXXX XXXX XXXX - XXXX - XXXX - {$3000.00}
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MA)

On XX/XX/year> XXXX XXXX, I contacted the XXXX XXXX team at XXXX to request a refund for reservation XXXX, for XXXX at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  due to Governor XXXX  issuing Executive Order ( EO ) XXXX, for Hurricane Milton. XXXX XXXX refused to give me a refund or even offer different dates of stay so I submitted a dispute with Elan Financial which is the institution linked to my Fidelity Investments Credit card. Elan Financial Services denied my claim because they claim I didnt request my refund from XXXX XXXX within the 2 days stated in the reservation rules. 

I also submitted a claim with XXXX XXXX which is offered as travel insurance through XXXX. XXXX also denied my claim because they claim that XXXX XXXX wasnt affected by the hurricane. 

I have tried to resolve this issue with all three companies with no resolution. I believe Im within reason to be refunded by Elan Financial for services that were not rendered due to a natural disaster clearly confirmed by the governor of XXXX. I am respectfully requesting assistance in this matter and appreciate your time and effort. Thank you
Consumer complaint received 2023-03-04
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 reviewed my Consumer Reports and noticed that I had late payments on the accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$350000.00}
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (FL)

They over charging me I tried to dispute a transaction where they over charge me server time with a rental car company an they was tell me that I cant when its wasnt clearly my fault now they i constantly calling me about a overdraft on my checking account with like XXXX dollars an fees