davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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. (GA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

For more than a year the bank, wells fargo state that my PPP loan had not been forgiven after a review my SBA and that no further appeal was available. But today XXXX XXXX XXXX, Administrative Judge of the United States Small Business Administration Office of Hearings and Appeals stated On XX/XX/2022, the U.S. Small Business Administration ( SBA ) Office of Hearings and Appeals ( OHA ) received an appeal from XXXX XXXX XXXX ( Appellant ) challenging the Final SBA Loan Review Decision for the SBA Paycheck Protection Program ( PPP ) Loan No. XXXX. 
It appears that the instant appeal is premature. An appeal petition may be dismissed as premature if SBA has not yet issued a final loan review decision. 13 C.F.R. 134.1201 ( b ) and 134.1205 ( a ) ( 4 ). 
For these reasons, it is ORDERED TO SHOW CAUSE, no later than XX/XX/2022, why this matter should not be dismissed as premature. 13 C.F.R. 134.1201 ( b ) and 134.1205 ( a ) ( 4 ). 

In effect stating the bank aggressively collected on a loan, without standing and forged a decision letter after lying to this body repeatedly. 

If you need more evidence please see the files located at XXXX XXXX XXXX password occ There you will see more than 600 files that support the statements in the attached case. The file called unknown is the judges order.
Consumer complaint received 2022-10-02
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. (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. XXXX XXXX account # XXXX, has violated my rights. XXXX account # XXXX, has violated my rights. 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 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. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

In reference to an account of XXXXXXXX XXXX : XX/XX/XXXX - I sent a letter letting Experian know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXX - I sent a letter to Experian informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXX - I sent a letter to Experian explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.
Consumer complaint received 2022-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Collection Management Holdings, LLC (MO)

I was the victim of fraud by scammer and my bank XXXX XXXX XXXX XXXX XXXX ) is expecting me to pay the money back. They have terminated my account and sent a dept collection agency after me and thee agency is threating to come after me if i don't the may the amount of {$8500.00} saying i owe my bank this money. They claim to have made multiple attempts to contact be but i never received any of them. The first and only letter i received was in XXXX they said i have till XXXX first to contact them or they will assume all their information is correct. But at the same time all attempts I've made to contact them have failed the phone number they gave to to contact doesn't work i get left of hold for hours and i dont know what to do.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear XXXX XXXX  This letter serves as a formal complaint regarding acct # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card on an open and consumer credit plan as late for any purpose
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

A debit collection company called " XXXX XXXX XXXX '' is reporting to my Equifax Credit report for a debit. They are claiming that this debit is from a hospital bill from XX/XX/XXXX and became delinquent in an or " opened '' in XX/XX/XXXX. They are telling me it will remain on my Equifax report until XX/XX/XXXX. This account is actually from XX/XX/XXXX and became delinquent in XX/XX/XXXX. This has been on my report for over 8 years any should have already been removed. I have contacted Equifax by phone, email, and US post office 7 times. They will not help and XXXX XXXX keeps reporting in Accurate information to them. Please help. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (TX)

Bank XXXX XXXX and Zelle are refusing to return money that was stolen from my checking account using Zelle. 

I was a victim of theft on XX/XX/2022 in XXXX XXXX, LA. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX Police Department. 

Bank XXXX XXXX did not remove my phone # from my account after their customer support indicated they did. They continued to allow the thieve ( s ) to use my stolen mobile phone to receive the SMS 2 factor authentication code and get into my online Bank XXXX XXXX account. 

These transactions were not initiated and were not authorized by me. My Phone was stolen. 

Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$1000.00} DescriptionZelle XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX category Cash, Checks & XXXX XXXX Other Expenses Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$2500.00} DescriptionZelle Transfer XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX Amount- {$2000.00} DescriptionZelle Transfer Conf XXXX XXXX XXXX XXXX XXXX Merchant XXXX XXXX XXXX Transaction XXXX XXXX, Checks & XXXX : Other XXXX Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX XXXX {$1500.00} DescriptionZelle Transfer Conf # XXXX XXXX XXXX XXXX Merchant name XXXX XXXX XXXX category XXXX XXXX Checks & XXXX : Other Expenses
Consumer complaint received 2022-10-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I was out of town in an area with poor cell phone reception from XX/XX/XXXX to XX/XX/XXXX. I received a text on XX/XX/XXXX about a fraudulent charge for {$700.00} made on XX/XX/XXXX from Barclays, which I invalidated by texting back. I received the text a day later as I had no cell coverage on XX/XX/XXXX. 

I noticed a {$550.00} charge that was applied at XXXX XXXX in XXXX XXXX, and a chargeback of - {$550.00}. I informed Barclays that my card was stolen, promptly. 
However, the {$550.00} charge was applied again on XX/XX/XXXX. I did not receive a decision letter, until I asked for one to be sent in XXXX when I noticed the charge. 
I appealed the dispute. They claimed that since chip was used and the purchase was verbally confirmed my request was denied. 

I never came in possession of this card and was not notified that a card was sent. The individual who stole the card managed to activate the card and use it.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I returned from a travel event and during the process of looking to shop for a home going through the approval process, my credit report reflected various accounts and inquiries of which I don't know anything about to my knowledge. My personal information such as the spelling of my name, address, employment history, and more was also seen to be incorrect. I have never accepted or benefitted from these items/companies and have filed a police report with my local agency, filled out an identity theft affidavit, and an FTC report , and provided additional notices to organizations letting me know my information had been compromised due to a large scale data breech. I suspect I may be a victim of identity theft.
Consumer complaint received 2022-10-04
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: LEXISNEXIS (PA)

I filed an initial complaint case # XXXX. LexisNexis keeps saying they can not identify me to get the CFPB to close the case out. When I call on the phone they have no issues identifying me. They did not attempt to verify me before placing items on my report with permissible purpose. I want the XXXX  XXXX Bankruptcy that they have on my file to be removed as per my previous request. I have sent them all the documentaion they have required to identify myself via the email address they have provided. Do not keep allowing them to say they can not identify me as I have provided my social security number, DOB, state ID and a address verification multiple times. I have attached all of the documentation that has been sent to them.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

The credit Bureau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report.

The Credit Bureaus stated my accounts was properly investigated, how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION. My account is also having duplicate account.

In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions.

( 1 ) Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX I sent a certified letter never heard anything back my XXXX XXXX XXXX mail receipt XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I used the Bill Pay service of Wells Fargo Bank to pay the HOA assessment to XXXX XXXX XXXX monthly. But I've been informed by the recipient, i.e. XXXX XXXX XXXX, that they have not received the payments from XX/XX/XXXX, to XX/XX/XXXX. The payment is $ 408 monthly and lasts for ten months. The total fund is {$4000.00}. 
I contacted Wells Fargo Bank many times by in-person visiting the bankers and by calling the related departments. I requested the bank to provide the proof to show the fund had been received by the recipient. But the bank refused to provide such proof documents and claimed the payments were remitted electronically without hard-copy records.

It is impossible that the payments were remitted electronically because the recipient information is its mailing address, not a bank account. I believe there may be an issue on the bank 's side. I demanded the prompt attention from Wells Fargo bank to investigate the fund flow and refund the fund. But my appeal was ignored by Wells Fargo bank.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

I was given permission to discuss the credit card account for my daugher, XXXX XXXX XXXX I opened up a Discover card for my daughter, XXXX XXXX and am the one responsible for payments. Approximately on XX/XX/2022, I called Discover customer service and requested that this account be closed because 1 ) Although I had submitted a payment of approximately XXXX dollars on XX/XX/XXXX, it had still not posted as of the time I called, which resulted in declined transactions, and 2 ) I would be required to call in after I made a payment, and I thought this was excessive, so I requested the card to be closed. When I talked to discover, I was informed that I would get a refund of {$220.00} because I had submitted payments which total exceed the credit limit, and thus I had a credit on the account. However, when I called Discover again, I was told that the refund had not been submitted. At this time, I had informed Discover that a series of refunds had been credited to the account, these refunds are 1 ) XXXX, 2 ) XXXX and 3 ) a pending refund of XXXX. At this time, I had fulfilled my payment obligation of the {$500.00} credit and the {$500.00} credit that was extended to my daughter was fufilled through my personal payments that was made to this card, thus any refunds that were made to the card would result in credits, thus these credits should also be refunded to me. However, the representative I talked to disagreed and told me that I would not be entitled to these refunds. This is actually stealing money from me because I had already fulfilled the obligation of the {$500.00} credit that was extended to my daughter, thus any credits should be refunded to my daughter. At the time these refunds were credited to the Discover card, the {$500.00} credit had already been fulfilled and these refunds resulted in credits to the card. Thus, my daughter is entitled to the XXXX credit which was originally a credit to the card, in addition to the refunds to the card, which amounts to {$160.00} thus my daughter is entitled to a refund of {$390.00}. I have attached an account summary showing the available credit of {$500.00}, in addition to the refunds that was applied to this card account. The refund of {$96.00} is pending, approved, and on its way to the discover card account.
Consumer complaint received 2024-01-30
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. (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. 
XXXX XXXX XXXX Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXXXXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX  Date opened XX/XX/XXXX Balance {$680.00} collection
Consumer complaint received 2022-10-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

Booked flights with XXXX XXXX for my wife and I to XXXX in XX/XX/2021 with Chase travel. Due to Covid numbers increasing, we decided to call Chase and cancel the flights. They assured us that the cost would be credited back to the account within 6-10 weeks and we should receive an email.

After 12 weeks with no email and no refund, we called Chase for an update. We were told that we could not receive a refund because we were marked as " no shows '' for our flight, meaning that Chase never processed the cancellation with XXXX XXXX. After several hours on the phone, the Chase representative again stated that we would be getting our refund back within 6-10 weeks.

We again waited for about 12 weeks with no update, before calling again. We asked the representative to review our past calls and again after several hours, we were assured that we would get the refund back with XXXX bonus points for the trouble and it would only take 5-7 days after being escalated to a higher team. 

After several days. we received an email that again stated that we would not be receiving a refund or travel credit, this time stating that XXXX XXXX denied the refund ( attached ).
Consumer complaint received 2022-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (TN)

hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX  with XXXX XXXX XXXX 
my XXXX  is presently XXXX XXXX XXXXXXXX. at the branch on XXXX XXXX in XXXX tennessee. i work 6 days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my post by a gentleman serving me a summons. 
it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here.. 

details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( ES ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX it is for an account with cashnetusa acct was charged off on XXXX XX/XX/XXXX. 
i am unfamiliar with said acct. 

after work, i went home to research my credit reports to look for this debt. 
after thorough searching i found the following results... 
XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there