davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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. (FL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

I was recently going over my credit file and found some inaccurate items. I have no knowledge of this debt that they are saying I owe. I havent received any phone calls or letters about this, just random emails. In the emails it includes an account number and balance, but doesnt state anything about my right to dispute this debt. According to the FDCPA I am supposed to receive this information within the first 5 days of initial contact. This comes with a civil liability of {$1000.00}. In addition I would like the unverified account removed from my credit profile, as it is preventing me from receiving the funding I need.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I disputed a medical account on my Equifax credit report XXXX/XXXX/2015 and the account came by verified and I sent a letter on XXXX/XXXX/2015 stating that the collection agency did not have collection authority on the account because the balance was paid to the hospital and the account is not in collections. Today I receive an updated credit report stating that the account remains the same with a balance and still on my credit report. They did not verify the information
Consumer complaint received 2023-02-01
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: U.S. Auto Sales Inc. (GA)

On XX/XX/2022 I received an text message to my cell phone stating that I may be qualified for a trade-in through ( XXXX XXXX XXXX Sales XXXX it gave me an option to do prequalification to see what I may qualify for in the trading process when I did so I was offered {$23000.00} for my prequalification amount and I spoke with a representative the next morning and she did a hard inquiry without my consents I stated to her that I would like to speak with the billing department so I can understand the terms and conditions she said she would call me back with the info next thing I know I received a hard inquiry on my credit report less than 24 hours without anyone calling me back I spoke with the supervisor she stated that she could give me email to the credit bureau agency so they can dispute the process the information she gave me was invalid I was not able to get in contact with anyone My whole concern is false advertising on their website stating that its a pre-qualification when they intentionally using your information and pushing it through as a hard inquiry before you even speaks with finances about your trading process thats completely illegal and against the law and I want this removed off my credit report immediately and they continue to send me text messages about me trading my car in which now at this point is a Nuisance!
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (TX)

After pulling my credit reports I discovered inaccuracies on ny reports. I reached out to these companies to verify accuracy with dates opened, dates closed and reporting dates and amounts. 
15 usc 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account info without written instructions. 
My account information was shared with other companies without my consent also information such as dates and amounts are inconsistent.
Consumer complaint received 2015-09-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AR Solutions Inc (IA)

ACCOUNTS REC SOLUTIONSAccount Number : XXXX Opened : XXXX : Paid, Closed. 

I called ACCOUNTS REC SOLUTIONS on XXXX 2011 in regards to bill that was sent to them as a collection, on behalf on physician lab. I was unaware about this until I contacted them, and when I did XXXX of their representative informed me that as long as I make some type of payment continuously this will not be sent to the XXXX. Unfortunately, it was sent to them, even after I paid the account in full. I contacted the XXXX and informed them of the situation, and they told me to contact the collection agency and ask them to request the XXXX to have the deliquency removed. The supervisor who I spoke to stated that she will not do that because it will require tremendous amount of work for her to do so, therefore she ca n't do it.
Consumer complaint received 2023-02-01
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX  account 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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via XXXX different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE XXXX XXXX CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE ACCOUNT XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, I used XXXX reward points to purchase XXXX gift cards : {$50.00} XXXX, {$50.00} XXXX XXXX and {$250.00} XXXX. Within XXXX weeks, I received both {$50.00} gift cards, but never received the {$250.00} XXXX. My balance after using the reward points was XXXX. After not receiving the {$250.00} XXXX, I did another purchase for XXXX points on XX/XX/XXXX. As of today 's date, I have not received the {$250.00} gift card. I've spoken with several representatives ( including managers/supervisors ) from XXXXAAA Bank and provided them with copies of the order confirmation for the gift card purchases. 

I called XXXX XXXX AAA customer service numbers as well as the Reward Center as I was transferred and told that since it involved rewards, I needed to speak to that department. I'm not overexaggerating when I say that I spoke with six people who were not able to assist me with this matter. This is unprofessional and not customer friendly at all, especially when I have provided all the proof ( order numbers for the gift cards along with copies ). If I received the two {$50.00} gift cards from XXXX XXXX XXXX XXXX XXXX , why did I NOT receive the gift card for the {$250.00} when the points were redeemed? XXXX sent a letter on XX/XX/XXXX stating an investigation was being conducted which would take about 90 days ; 90 days from XXXX will be XXXX, and no one has made an effort to reach out to me to inform me of the status. I will NOT stop reaching out until I receive the {$250.00} gift card I redeemed from the points acquired from the use of the AAA Bank of America credit card. 

Your assistance in resolving this matter will be greatly appreciated. Thank you.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX  me, you are violating my rights as a consumer which is really disheartening. I value my credit score a lot but these inaccuracies in my credit you are reporting has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and disregarded to rectify these issues and my concerns regarding the errors on my credit report, it's stressing me out.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MA)

This concerns Venmo. I tried to open a Venmo account with my phone number. I have had this number for XXXX years. The phone number appears to already be registered with another Venmo account, likely the person that used the phone number before I acquired it. Venmo appears* to have reacted to this situation by triggering a block on my phone number that has trickled through the financial services system and is preventing me from using my phone number with other money transfer services, such as XXXX XXXX 

If Venmo had concerns about the phone number they should have ( 1 ) blocked the Venmo account that has that number registered, ( 2 ) tried to re-validate that number with the user of the account, and ( 3 ) delete that phone number from their records if the user was unable to re-validate it.

Venmo clearly has no procedure for periodically re-validating user 's phone numbers. They should be required to implement this. Venmo should not be allowed to trigger an industry wide block on the phone number of a non-Venmo customer on such paltry grounds. That response is causing me a great deal of inconvenience and was disproportionate. 

* As mentioned by a XXXX employee.
Consumer complaint received 2023-02-01
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: AMERICAN EXPRESS COMPANY (GA)

It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). 

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights.
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CT)

My wife paid a bill that did n't go through that came out of checking account 2 times wells Fargo put back XXXX payment then the other but took back XXXX $ which is still in question because I would like my money back I had XXXX $ and some odd change in my account before the transaction. I 'm still missing a XXXX $ I 'm not happy with the way they handled my case I want my XXXX back
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

Good afternoon, I was banking with Wells Fargo and I just recently had an issue with my bank account that someone deposit a check of {$6900.00} in my account ( XXXX XXXX XXXX and that was the cause of the closure with my account. That same day I did get my check from work deposit from XXXX XXXX XXXX  that was {$1300.00}. I did speak to loss prevention about the activities that were made in my account and did a report that I didn't deposit that check in my account the {$6900.00}. Every since I haven't had no answers of my check that was deposit in my account of {$1300.00}. I had spoke again to a loss prevention in regards of the check I got deposit from my job if I willl be receiving it through mail and they told me to contact them XXXX XXXX XXXXXXXX once the account is close they will see if I had any funds available. I Called again to Wells Fargo loss prevention and I spoke to someone els today and told me they didn't see anything about my check that I got from my job and will send out an email and to just give them back a call again XXXX to see what will happen. Im honestly tired of hearing different answers from different people. I just want whats mine. I get paid every XXXX and XXXX I have been almost 18 days that I haven't had any money on me. until barely yesterday that I got paid. which its making really tight money wise because I pay rent, bill, my car and etc... I hope someone can help me with this situation im going through all I ask is to just get back whats mine from my deposit I got from my job.
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (GA)

It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ).

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federally protected consumer rights.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I received California XXXX XXXX XXXX XXXX open card, registered got a pin. Tried to use it. Didn't recognize the pin. tried to call on XX/XX/31 and XXXX Numerous times. Tried to reset the pin. It is a scam you never can get through to resolve any issue. Response, don't recognize your account number etc. Or disconnect you. Or high volume call back later. 

Spoke to a friend who also had the same problem. He XXXX had access to a private cash register ran the card and had to pay the shopkeeper the fee. 

It is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My mom had a home equity loan with wells fargo, she passed away in XX/XX/2021. Because this is tied to both of my parents mortgage ( also with wells fargo ), he is still in debt to pay off said loan. However, they will not give him any information, wells fargo has change the monthly payment, but will not allow for him to ask questions. He is not on the home equity loan, but he is on the mortgage.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-01
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.