davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX XXXX  Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this XXXX and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this XXXX and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Consumer complaint received 2024-01-04
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)

My credit repor tis showing a couple inaccuracies that are affecting me a lot. I am set up to buy a home and upon reviewing my credit I have found that these questionable items are prolonging this already long process, as they are preventing me from getting a mortgage at a reasonable rate. This s supposed to be an exciting time in my life, but my wife and I are at odds due to this and it is putting a tremendous strain on our marriage
Consumer complaint received 2023-08-23
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Around XXXX of XXXX i became a victim of Identity Theft. On XX/XX/XXXX Portfolio RecoveryXXXX XXXX has reported a Credit Card with a balance of {$840.00} which has been opened by someone fraudulently without my knowledge. Ive disputed this card several times without any Change. When I asked XXXX to validate this account they said it was a validated by XXXX XXXX because they said it was mine. Without a letter of validation that shows the card is actual mine that I filled out a a application and signed for the card. The statement made by XXXX XXXX should have No bearing on the decision of XXXX. Basically XXXX is taking XXXX XXXX  word over mine which is discrimination. Without any proof to verify this account belongs to me it should be removed. Ive asked for a letter of validation over 60 days ago and yet to receive anything. Please remove this account from my XXXX Credit Report.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I am writing to bring up a case of negligence in handling a wire fraud incident that I fell victim to. I believe that inadequate procedures and actions have led to the loss of a significant amount of my funds and have caused considerable distress to my family and me. 

On XX/XX/2023, I was targeted by fraudsters who impersonated our title company and deceived me into wiring {$87000.00} from my Wells Fargo checking account to a fraudulent account at XXXX. The fraudulent nature of the transaction came to light the following day, prompting me to report the incident to Wells Fargo immediately. I also took further action by filing a complaint on ic3.gov. 

Following the incident, both Wells Fargo and XXXX were engaged in the investigative process. XXXXXXXX XXXX  Wire Fraud Department not only verified the presence of the precise amount within the fraudulent account but also ascertained that the said account had been promptly frozen on XX/XX/XXXX. On XX/XX/XXXX, a representative from XXXX 's XXXX branch confirmed the frozen status of the account to me and conveyed that it was slated for closure within 30 days, assuring me that the funds would be returned to me within this timeframe. Despite these confirmations and assurances, the subsequent course of actions have been markedly disappointing. 

Regrettably, I must inform you that Wells Fargo has taken a concerning stance. They are currently refusing to provide me with assistance by sharing the findings of their investigation, despite my exercise of the right to documentation. The information contained within this document, coupled with the statement from the Wells Fargo banker regarding his communication on the frozen status of the account, holds critical significance for my pursuit of repayment from XXXX. 

Despite my proactive efforts and cooperation, the situation has escalated into a complex ordeal, where not only the mishandling of the wire recall process by XXXX has resulted in severe financial and emotional consequences, but also Wells Fargo 's reluctance to provide necessary information further exacerbates the distressing circumstances. 

I am seeking your intervention in this matter to address the negligence displayed by both Wells Fargo and XXXX. The disregard for proper procedures and the mishandling of the wire recall process have resulted in the loss of our hard-earned savings and an overwhelming sense of injustice. 

I kindly request that your office investigate this incident thoroughly and bring the unjust bank practices to light. Additionally, I am seeking guidance on potential avenues for recovering the wrongfully released funds, including any assistance your office may be able to provide in cooperation with relevant authorities. 

Thanks, XXXX XXXX ( P.S. I am happy to provide any necessary documents that I have regarding communications that I had with XXXX and Wells Fargo to assist in this investigation )
Consumer complaint received 2023-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

Decided to check Credit Report and found Genesis Credit. 


I am not familiar with this company or the reason why its on my file. 


They don't give a clear answer as why this debt is owed. 


I need more info to XXXX why this debt is under my name.
Consumer complaint received 2023-08-23
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. (NV)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-08-23
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

I've been calling Nelnet for about 4 weeks now and have sent XXXX emails during that time. I've sat on hold for hours and hours and hours. No one picks up and the call often gets disconnected after a few hours. I've tried obtaining answers via their website but the website does not address my concerns. Of the 3 e-mails I sent thru their online email system, I received one reply The reply was that my questions are better addressed via phone call and that they recommend I call rather send an email. This is INSANITY! 

I've done a bit of research and Nelnet has more complaints ( all similar to mine ) than any other student loan servicer at this time. I've seen many complaints on many social media platforms. I can not continue to take time away from my work and life to sit on hold. So instead my time is now spent researching who is appropriate to send a complaint to. I am at my wit 's end simply attempting to speak to someone. Please help.
Consumer complaint received 2023-08-23
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. (NJ)

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 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 2023-08-23
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. (IL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$47.00} ; XXXX XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$110000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$2200.00}.
Consumer complaint received 2023-08-23
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. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (WY)

On or around XXXX XX/XX/2023, Navy Fed allowed an unauthorized party to deposit a fraudulent check into my account without my consent. Unknown to me, my credentials were already obtained by this person. Either this was well planned or just a coincidence. The check went through and some of the funds were stolen from my account totalling around {$5500.00}. A couple days after this, the check showed up as returned. This is accurate to the best of my knowledge as I didn't notice It until the day of XX/XX/XXXX I believe it was when I checked to see if my military pay came yet. I reported it asap once I noticed the charges on my account. I've been waiting for word on this case since my rebuttal I sent in early XXXX  I've reached out to the bank directly and all I'm told is it's still getting looked at, my other case on this submitted with CFPB states my bank won't reimburse me or cover it but I've yet to recieve anything in writing & actual notification from my bank with their decision. NFCU has a 0 fraud tolerance policy which I believe I 100 % fall under due to this being unauthorized and fraud, it seems Reg E is black and white as far as consumer protection. This is a severe injustice for them to tell me it's my fault and I'm now responsible for it eventhough I did nothing wrong to be in this position. My credit is destroyed along with the huge financial burden caused by this since the bank won't reimburse the funds that were stolen from. I've submitted claims and cases everywhere I can without a resolution from the bank, CFPB, XXXX and a couple others I can not remember. I have also submitted a fraud affidavit I believe it's called and sent it to the credit reporting companies. ( I can attach if needed but its a few pages ) Every time ive called and spoken to a fraud investigator, its taken a few hours of getting transferred just for them to finally say it looks good to go and I shouldn't have an issue getting refunded but NFCU will work my case in the order it was recieved, it was Recieved in XXXX. Please help, this has been a huge headache dealing with this since XXXX and being denied a refund for unauthorized charges that were reported asap. My XXXX XXXX is tracking the issue and is willing to step in and vouch if it would make a difference.
Consumer complaint received 2023-08-23
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

Balance information furnished to all three ( 3 ) major CRAs for acct/XXXX " FM/Firstmark Serviced Trust '' is ten ( 10 ) times actual balance FM alleges in it's own accounting system. Attempts to resolve with XXXX through dispute process yielded results returned by XXXX that continue to show the amount as ten ( 10 ) times the alleged balance owed.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (WA)

XX/XX/2023 - I recieved a 30 days past due flag on XXXX. 
XX/XX/2023 - The bank confirmed that there was an clerical error on their end. The bank confirmed that they will be sending a negative retracting credit report letting out regarding there was an error with the bank. They would also send me a letter within 7-10 business days. 
XX/XX/2023 - The Branch Manager confirmed the payment issue was fixed and confirmed they would be sending the credit card company a negative retraction demand due to bank error. 
XX/XX/2023 - A call with the bank confirmed they are still working on sending a letter to me. 
XX/XX/2023 - The bank confirmed that the letter went out two days ago and would arrive in a few days. 
XX/XX/2023 - I called Comenity Bank to ask if they had received the letter from the bank. They confirmed they have NOT. I asked if they would accept an emailed copy or faxed copy. They instructed me to send a copy out to XXXX XXXX XXXX XXXX Ohio XXXX. 
An online dispute had been opened with XXXX. 
XXXX Letter sent to Comenity Bank . 
XXXX Recieved a notification that Dispute Results were Ready and there was no change. I called Comenity Bank at XXXX. The representative confirmed that the letter was received. The representative informed me that they will not remove the negative information off my credit report. I let her know there was a clerical bank error and that the bank sent in a letter. The represenatative stated that they would not remove the negative remark but would offer me a credit on the account for my inconviencence. I declined.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

My husband and I have a Joint checking account with Truist Bank. We spend part of the year overseas where we have a vacation home. When we are overseas we transfer funds from our Truist account to a currency exchange company ( XXXX ) through our US account with them. The XXXX USD account was added to our Truist account as an external account. This had been working fine with no problems. 
A couple of months ago we made a transfer of {$1500.00} to the XXXX USD account but had forgotten they had changed the bank they use. The money was therefore returned to our Truist checking account because our account at the previous XXXX bank was closed. However, for no reason and without advising us, Truist removed both this account and another external account we had with XXXX XXXX from our checking account. This meant we were no longer able to transfer funds from our checking account to pay our living expenses overseas. We have the details of the new bank XXXX uses and tried to reinstall it as an external account, as before. However, there appears to be some kind of block preventing this. I repeat, both accounts are with regular US banks. One is XXXX XXXX and the other is XXXX XXXX XXXX XXXX 
We have contacted Truist multiple times about this, both by email and phone, and they have totally failed to resolve the problem. We receive no replies to our emails and we still can not transfer funds. This has caused us considerable financial difficulties.
Consumer complaint received 2023-08-23
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$1800.00} XXXX  XXXX XXXX Balance : {$700.00}
Consumer complaint received 2023-08-23
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I am a federal government employee with the XXXX XXXX  XXXX XXXX in XXXX Texas they advise us to bank with XXXX XXXX  or Penfed I have also filed with the state attorney general office below on this same matter. I am a victim of identity theft I am having the same problem with Penfed Bank I had provided them with the same documents as well I uploaded them onto their website they notified me that they clear that fraudulent account which the balance was XXXX at first they told me they would open me another account which they did but they place it on hold until the balance of XXXX was a clear up I told them I would not pay for something I did not do they informed me they received my documents but do not want to do business with me and I thought that if a person is a victim of identity theft they are not held accountable and which these two banks are holding me accountable for my identity being stolen. peddled received my documents on XXXX I resent them the documents again on XX/XX/XXXX and XXXX ofXX/XX/XXXX the same thing happened with XXXX XXXX and XXXX XXXX they are including as well