davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I opened an account in XXXX XXXX XXXX and then when I arrived in XXXX CA XXXX the money was gone. {$4200.00} USD XXXX Year XXXX. Location : XXXX CO. I opened an account and made a deposit! This is my property and land act address in XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For sale : {$410000.00} USD. XXXX is the same guy who sold me this property in the spring of XXXX! XXXX. I need to upload all the communications between me and XXXX. The check that was used to deposit money into my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For ID purposes between XX/XX/XXXX and XX/XX/XXXX. County jail number XXXX. Dismissed. XX/XX/XXXX. I deposited close to {$4200.00} USD. Half cash and half by check. When I was going to use my money in XXXX CALIFORNIA then the money in my account was no longer there! I had a XXXX XXXX  and I opened my account on the actual XXXX XXXX  from XXXX XXXX CO and half way to XXXX CA. And then I discovered my money was not in my account! 

I want my money back from WELLSFARGO! This particular branch : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX XXXX. Questions about banking, mortgage, and investment services? Call XXXX, 24 hours a day - 7 days a week. Located in : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CO XXXX. Hours : Closed Opens XXXX Mon More hours Phone : ( XXXX ) XXXX Departments : Wells Fargo Advisors Wells Fargo ATM Wells Fargo Home Mortgage.

About your privacy. Use of this form to communicate with the Office of the Ombudsman is entirely voluntary. Any information that you provide will be used solely to analyze complaints and provide analysis and feedback to senior FDIC management. Any personal information that you may provide will not be retained by the FDIC.

FDIC 1021/01 ( 2-17 ) For questions regarding this form, email XXXX Page Updated XX/XX/XXXX FDIC Comment Form Thank you for contacting the Federal Deposit Insurance Corporation ( FDIC ) . Your information was received by the FDIC on XX/XX/XXXX Your case number is : XXXX Thank you for bringing this matter to our attention. 

For questions regarding this form, email XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX ACCNT # XXXXXXXX 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 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-08-02
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: CBC Companies, Inc. (FL)

TODAYS DATEXXXX XXXX, XXXXXXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have c

onduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my disp
ute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/ i Certified mailed Equifax Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Equifax ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer. 

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates. 

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAME : XXXX XXXX  / ACCOUNT NUMER : XXXX XXXX ACCOUT NAME : XXXX XXXX / ACCOUNT NUMER : XXXX I have uploaded all of the proper documentation to support my claim.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to send money by XXXX from BFA and put the information. It went to the wrong person and theyre not giving my money back. Both of us have BFA account but bank are not helping me to get my money back from the stranger. Were talking about a large amount of money which is {$3200.00} and my friend is desperately needing this money to pay his rent by the time that some stranger stole to easy money and using it. Were really need help to refuse the landlord evacuate my friend from the rental apartment. This transaction happened at XXXX XXXX XXXX. I need bank taking responsibility since theyre the one promoting XXXX app and I trusted them to use this app for my transfer..Please please advise ASAP. Thank you for your time and attention.
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXX XXXX XXXX  notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the Equifax and XXXX credit reporting. 

I am disputing this collection because you posted this on my credit report on XX/XX/XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly. 

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with XXXX and Equifax. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Ive Been having an issue with Transunion, XXXX, and XXXX updating my personal information. I have contact them on several occasions ( XX/XX/2022 ; ( XX/XX/2022 ) via certified mail and they have had blatant disregard to what i have asked. The only name that need to be on my consumer report is XXXX XXXX and the only address that needs to be reporting is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please remove all other names, addresses, and jobs as they do not belong to me or associated with me by any means. 

Also this is inaccurate accounts reporting on my consumer report and I'm requesting they send me a debt validation letter for the following accounts XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX COLLECTION ( Original Creditor : COLLECTION ) acct # XXXX
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

This complaint is against : PayPal , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX I was advised to wait 180 day before my balance could be withdrawn after multiple phone calls on XX/XX/2021. As of XX/XX/XXXX, Paypal has withdrawn all of the funds to their own account, {$31000.00} after the stated 180 day hold period. I understand the 180 days period, to rectify any issues buyers may have, for instance chargebacks etc. However, it is illegal for the company, Paypal, to pocket the seized funds. I would rather have Paypal refund all my clients that are satisfied with their goods without any complaints after 7-8 months than to have Paypal pocket the money after they have collected the fees for successful completed transactions. It is unjust enrichment by paypal gaining interest off the held fund that isn't paid out to the customer after 180 days. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account were settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 
PayPal debited a random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reach XXXX before the 180 day hold period. I believe that I was deceived by PayPal as they failed to provide the payment service promised.
Consumer complaint received 2022-08-02
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. (PA)

XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXX XXXX XXXX notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the XXXX and Experian credit reporting. 

I am disputing this collection because you posted this on my credit report on XXXX XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly.

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with XXXX and XXXX. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-13
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. (GA)

Experian is violating my FCRA rights. I have submitted several disputes on some fraudulent accounts on my credit file, and they keep on not doing their jobs properly. I requested for Experian to delete these fraudulent accounts XXXX XXXX XXXX Account number XXXX Recent balance {$11000.00} as of Account name XXXX & XXXX Account number XXXX .... 
Recent balance Not reported XXXX & XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$590.00} as of XX/XX/XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$1400.00} as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX .... 

And I was told that these accounts are verified as accurate. I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to Experian already, and I am uploading the copies on here as proof.

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with these companies. I would a fair, and proper investigation done and these accounts deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2024-10-29
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. (FL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXXXXXX XXXX XXXX  notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the XXXX and XXXX credit reporting. 

I am disputing this collection because you posted this on my credit report on XXXX XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly. 

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with TransUnion and XXXX. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.
Consumer complaint received 2022-08-02
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: Colony Brands, Inc. (PA)

I have a hard inquiry on my XXXX credit report from Ginny 's XXXX for credit that I did not apply for. The inquiry is dated XX/XX/22. 

Ginny 's XXXX is unable to dispute the inquiry because they can not find the account. They tried looking up my zip code, social security number, present and past addresses and still say they can not locate the account so they can not dispute the inquiry. How are they able to issue credit with just my name and no other information? That being said, if all they need to issue credit is my name, they can dispute this fraudulent inquiry with just my name. 
How is a company like Ginny 's able to issue credit with just my name? How would they verify the legitimacy of any application with just a name? If they were collecting any other information to verify a person 's identity they would have at least some of my information and would be able to dispute this inquiry.