davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CL Holdings LLC (VA)

I have called the company Jefferson Capital Systems and when I spoke to them on XXXX/XXXX/XXXX I spoke to XXXX women. I asked the first woman if the reporting could be deleted from my credit report and she advised me that it is the policy of Jefferson Capital Systems LLC to not delete their reporting for any consumer. I asked to speak to someone more senior and the representative told me she is XXXX. I was transferred to a second lady, whom was identified as a supervisor, and I asked if they could remove their reporting due to extenuating circumstances. The supervisor even specified that a " homeless mother of XXXX '' could not have the reporting from this company deleted on her report. I consider their reporting to be harmful to me. It is difficult to get a representative from this company. Often when I call, I will receive an automatic message after holding saying, " Sorry, at this time we can not accept your call. Please try again later. '' This company did not offer or allow me to dispute their reporting and denied my requests to delete their reporting. 
I paid an outstanding bill XX/XX/XXXX to Jefferson Capital Systems LLC to pay a debt being collected for the original owner of the debt XXXX XXXX from XX/XX/XXXX. The matter is closed and was reported paid to the credit bureaus.
Consumer complaint received 2023-06-20
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. (TX)

This is my complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy and CFPB on the medical collection.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (TX)

I took a look at my credit report last week on the XXXX of XXXX. I notice that there was a collection from Monterey collections in the amount of {$1900.00}. I tried reaching out to them from a number that I found on XXXX but no one picked up. I have not received any letters or calls about this debt.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I request to day the removal of some information in my credit report, the items I am disputing today is erroneous and it the are not accurate they should be removed immediately. 

Kindly remove these items immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (CA)

Self Financial is engaged in shady and unscrupulous business practices, defrauding vulnerable individuals of thousands of dollars, including me. I opened an account in 2021 and faithfully paid XXXX  each month until I reached a secured card balance of XXXX. During a questionable " review process '' my account was disabled and until I furnished all of the above, it would not be reactivated : photos of my social security card, driver 's license, debit card, paystub showing my SSN, and bank statements showing all of my transactions, not only those related to Self Financial. It is a complete violation of my privacy and absurd, considering none of these documents were required when I opened my account. I can only guess the nefarious activities behind the reasons they delay paying consumers THEIR OWN MONEY back. 

AVOID AT ALL COSTS.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-20
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. (VA)

I am writing to file a formal complaint against the credit bureau, regarding their failure to respond to my letter requesting an investigation and deletion of a medical collection account under {$500.00} on my credit report. It has been over 30 days. I sent the letter out on XX/XX/2023. 

As per the FDCPA guidelines, the bureaus are required to investigate and respond within 30 days. I haven't received anything.
Consumer complaint received 2016-07-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (MA)

My auto loan has showed up on my credit report from XXXX. This was a loan that was payed off in full by my insurance company " XXXX '' because my husband was in a car accident that resulted in a total loss. My insurance company paid what TDBANK said was a full payment for the vehicle before XXXX/XXXX/2012. TD Bank is reporting on my credit that there was {$290.00} owed and finally charged off. I received NO information about this or would have realized this sooner. This is greatly impacting my credit report because it was an auto loan. It 's fraudulent. I called TDBANK about it yesterday XXXX and they said I would have to contact you and file a complaint and have you investigate it. I sure wish I had realized it was on my credit report years ago!
Consumer complaint received 2024-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (MD)

A product was purchased on XX/XX/2024 from XXXX. The product was incorrectly delivered and wayfair was promptly contacted about the issue. Recognizing the problem, XXXX refunded the order and sent an email on XX/XX/2024 saying that the product should be thrown out or destroyed. Then on XX/XX/2024 contact was made by Cedars Business Services LLC falsely claiming the right to collect a debt. They falsely asserted that the debt was due to an error where payment methods are not charged by wayfair until a delivery scan is made. They have been unresponsive to the live chat contact options offered on their website.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

I had noticed several suspicious transactions on my account, Wells Fargo had caught them and didn't let them go through. on XXXX and XXXX I received 2 notifications of XXXX transfers on my account for {$3500.00} and {$7500.00} and I denied the requests sent through text from Wells Fargo. After this had happened, I called and reported the fraudulent activity to Wells Fargo. Instead of changing my account number and login information, they just put in for a new debit card request. Within a few minutes I received a phone call from Wells Fargo Fraud claims. This person had to have been a Wells Fargo employee either current or ex employee. The Phone number they had called me from was the verified Wells Fargo phone number and they literally asked for all the same things Wells Fargo asks for on every phone call. I honestly feel as if this was an inside job from Wells Fargo. At this time my account should have been locked in order to prevent fraudulent activity but it was not, due to neglect from the employee I reported the fraud to. Instead the person I was on the phone with cleaned out my account with 2 wire transfers, one for {$6500.00} and the other for {$7500.00} totaling {$14000.00}. which was basically all of my money in my checking account. they left me {$35.00} in my account. After checking and seeing my account was cleared out, I immediately contacted Wells Fargo and they setup a new account number and login information which should have been done on the first call I made to report the fraud before it was committed. I just received a letter from Wells Fargo stating that they are not liable and I'm now out {$14000.00} I called to dispute and I got absolutely nowhere with them.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MT)

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX XXXX. On XXXX, I wrote to XXXX XXXX Services asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I had to refile my complaint as i used my sisters account to file for my old complaint and paypal said they were unable to respond to it due to the name being a different name. 

XXXX Paypal supports scammers XXXX XX/XX/XXXX. I purchased the XXXX XXXX from XXXX XX/XX/XXXX I received it. XX/XX/XXXX ( Saturday ) I opened it to assemble it. I found one huge hole on the panel, peeling on the side, crack on the side. I contacted the seller right away. At the same time I filed a dispute with paypal. XX/XX/XXXX XXXX responded to me advising me to dispose the damaged item, however since there is a dispute they can not issue a refund until the dispute is closed. I forwarded all information to paypal. XXXX responded to my dispute saying I did not return the item therefore they were not able to refund me. How convenient! They advised me to dispose the item! At first I disputed it under Item not As Described. However a representative changed it to credit not received since XXXX did mention they wanted to refund me but they could not because of the dispute. XX/XX/XXXX, paypal closed the case in XXXXXXXX XXXX  favor because I could not submit proof where XXXX said they would refund me, what i submitted was not good enough. I sent over photos of damaged item, houzz telling me to dispose of the item, was paypal thinking that XXXX just told me to dispose and get lost with no refund? 

Paypal you are aiding scammers. Shame on you.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hereby declare under the penalty of perjury, pursuant to 18 Pa. C.S . 4904, that the following statements are true and correct based upon my personal knowledge information and belief : 1. I am in receipt of report # XXXX generated by Transunion XXXX XXXXXXXX 

XXXX. I am aware of erroneous information being actively furnished by Transunion on my consumer profile. 

XXXXUpon receipt of report # XXXX dated XXXX, I conducted a thorough examination of my consumer file and have discovered several errors resulting in : defamation of character. 

XXXX. Transunion is willfully and intentionally violating my rights as a federally protected consumer. 

Transunion is willfully and intentionally causing financial harm and emotional distress by continuing to report this information. I am unable to extend my credit in good faith and it is hindering me from being able to obtain essential consumer goods as a result. 

XXXX. Transunion is actively, willfully and intentionally committing fraud. 

Please block and remove : Public Records : XXXX XXXX XXXX XXXX - cease and desist from reporting. 

XXXX XXXX XXXXXXXX - BLOCK AND REMOVE ; cease and desist from reporting. 

XXXX XXXXXXXX - BLOCK AND REMOVE; cease & desist from reporting. 

XXXX XXXX - BLOCK AND REMOVE; cease & desist from reporting.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have been a victim of Identity theft and as a result, two {$20000.00} fraudulent USAA Credit Card accounts have been placed on my credit report and is has caused me to have 2 credit cards canceled. They were put on XXXX of 2019. Since then, a XXXX XXXX inquiry has been placed on my credit report. I did an Identity theft report and a FTC report and I contacted USAA on numerous occasions and they informed me that they have put it as a fraudulent account but the credit bureau keeps saying that they are reporting it and I had it removed from XXXX XXXX. They obeyed the FTC, an identity theft report when it was sent almost 2 years ago, and XXXX has ignored it the entire time. XXXX removed it and put it back on my report. I sent proof and was told if was sufficient and still it is being reported.
Consumer complaint received 2023-06-20
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. (TX)

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

I sent over {$18000.00} to a scammer with Zelle since they had my personal information and threatens to report me to the police for missing taxes ( I just started working so I dont know much about it ). After realizing I got scammed I asked Zelle for reimbursement from the accounts I sent to, and they refused to do so.
Consumer complaint received 2023-06-20
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I went into XXXX XXXX of XXXX to see about the possibility of purchsing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also staing that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of Califronia and when I received a mailing from The California Office of Attorny General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I aggree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX XXXX to me. I was not told of any other bank my word of mouth nor by paper work. I find that what XXXX XXXX did was decietful into doing one thing, that is to demolish my credit report with numerous babk loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labled XXXX XXXX it shows that that XXXX XXXX statements does not show he was checking another bank.
Consumer complaint received 2023-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TN)

XXXX  2015-XXXX 2015 emails and in person visits to the local branch. 
I had a vehicle loan with Wells Fargo and I would be charged random fees which wouldnt be paid bc I made my car payment and no extra so those fees accumulated for fee and late fees that I was not notified about until I was threatened with a repo over a nominal amount. During this time I had to have a checking/savings account open to be able to have an auto loan so the bank would attempt to pull from that account as well again not having the correct funding it would decline and again with the fees. Due to having to finance the vehicle loan I opted in for XXXX insurance with this bank as well bc it was required and offered at a cheaper rate than the dealership, when it came time to trade my car in I was unable to get my partial XXXX  back.
Consumer complaint received 2023-06-20
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. (AL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX 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
Consumer complaint received 2023-06-20
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. (LA)

XXXX XXXX XXXX XXXX XXXX Please permanently delete these inquiries from my Law says hard inquiries are for a FIRM OFFER of CREDIT pursuant to FCRA. 
Also 3rd parties furnished information is illegal. Consumer law states 1681 604a2
Consumer complaint received 2023-06-20
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
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. (CA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.