davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX US DEPT ED - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX These accounts are related to a transaction and
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (CA)

i have applied for a new credit card, it was denied .. they sent me a email that suppose to tell me an exact meaning .... i called multiple times and also days after because they could not answer my question legitimately, i requested a manager, they sent me to a supervisor, which didn't know not one legal right i proposed to them, he replied saying he wasn't a lawyer and can not answer my question, then i requested a manager, which he denied and hung up the phone .... till today i still dont have no exact reason i was denied...
Consumer complaint received 2023-10-29
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WV)

Re : Cease and Desist Letter Pursuant to XXXX XXXX Dear Resurgent I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.

I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

I hope this message finds you well. I am writing to appeal the permanent limitation that has been placed on my PayPal account, which is registered under the email address XXXX. 

I strongly believe that this limitation is the result of a misunderstanding or mistake. To the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. My account has always been in good standing, and I have been a loyal PayPal user for a significant period of time. 

I kindly request that you reconsider and re-investigate my case thoroughly. I am eager to provide any information or documentation necessary to support this appeal. I value my relationship with PayPal and the convenience it offers in my financial transactions, and I would greatly appreciate the opportunity to continue using your services. 

I understand the importance of maintaining the security and integrity of the PayPal platform, and I fully support your efforts in this regard. However, I firmly believe that my account limitation may have been the result of an error or misunderstanding. Therefore, I kindly request that you review my case and, if possible, reinstate my account. 

Thank you for your prompt attention to this matter. I am hopeful that we can resolve this issue amicably and restore my access to PayPal services.
Consumer complaint received 2023-10-04
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. (CA)

It has now reached a point where I can no longer tolerate the sheer incompetence and apathy exhibited by your bureau in addressing the fraudulent XXXX entry on my credit report. Despite my numerous attempts to have this blatant error rectified, it continues to persist, and I find your lack of action nothing short of infuriating. 
XXXX XXXX XXXX-discharged Reference number : XXXX My previous correspondences and escalations have fallen on deaf ears, and your apparent indifference to my predicament is nothing short of infuriating. Your failure to take meaningful action on this matter reflects poorly on your agency 's credibility and competence. It is high time you acknowledge the gravity of this situation and take immediate steps to rectify it.
Consumer complaint received 2023-05-17
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-17
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. (WA)

I want to complain about the credit bureaus and companies that I have been submitting disputes against for falsely reporting information on my credit report. I started disputing on XX/XX/XXXX, with another dispute on XX/XX/XXXX then a round now that was submitted on XX/XX/XXXX. None of the bureaus have given me valid responses and the responses that I did get were stall tactics that are accusing me of using a 3rd party. This is upsetting because I'm trying to get my credit to a point that I can purchase a property and with this false information, I'm unable to do. There's also some late payments that I was promised would be removed within 72 hours and that still has not happened. I got behind on a few payments because my husband was in the hospital with a XXXX XXXX, my priority was taking care of him and getting him back to health. I have provided proof as well of this hoping this will help in removing the late payments as a courtesy.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (OR)

I make regular purchases on this account for my business in the sums of $ XXXX {$2000.00} and have done so for a few years. I always pay my bill early so as not to incur fees. 

This time I paid a portion of my bill electronically through my bank on XXXX in the amount of {$1500.00} Please see supporting documents. 

On XXXX you will see ALLY put a " Payment Hold '' on my credit card for {$1500.00}. This does not allow me to charge that amount on my card as they state they have not actually " received the payment '' .. 

I called on XXXX to see why I could not charge {$92.00} for business and there was not enough credit available ( please see supporting documents XXXX. I was told that they do not actually have the money and the account is not paid and this hold will not be released until the XXXX of XXXX. 

I want to know what they are doing with my money and why when I pay my bill it 's no longer actually paid ( this is a new thing they are doing ). I also do n't want them putting credit " Holds '' on my payment so I accrue more interest.
Consumer complaint received 2023-05-17
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. (MD)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-17
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. (FL)

I NOTICED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASESEE ITEM LISTED BELOW. 

ACCOUNT NAME : CREDIT FIRST N/A ACCOUNT NUMBER : XXXX YOU'RE REPORTING A LATE PAYMENT ON MY CREDIT REPORT YET THE CREDITOR ( CREDIT FIRST N/A ) SAYS THEY RESET THE ACCOUNT AND THERE IS NO LATE PAYMENTS SHOWING ON THEIR SIDE.
Consumer complaint received 2023-05-17
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX / XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX5 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Delete this account.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (WA)

For the past month, when I log into my Discover account to check my activity, there is a large advertisement, right up front. It basically says that they are offering a low interest home equity line of credit, in the event that I am looking to buy another house. I AM thinking about moving, so I was curious. 
It simply said to click on it to find out about using home equity for a down payment on a new house. I did NOT know that it was going to make a hard credit inquiry. Now my credit score has gone down. I actually had no intention of getting a loan at 12 %! It NEVER indicated it was a high interest loan. 
I have prided myself on keeping my credit score high. My financial accounts are spotless. As a result of Discover 's actions, my score went down XXXX points. Now I WILL NOT be able to buy a house with the best possible interest rate.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We are victims of Wells Fargo 's illegal acts and consumer abuses. As per the XX/XX/2022 CFPB Consent Agreement with WF, they have done illegal acts & consumer abuses against us. WF did severe escrow account violations and insurance fraud when they stole our fire insurance money. Wells Fargo owes the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$700000.00} and we want WF to cut us a check in the amount of {$700000.00} out of the {$3.00} Billion victim 's fund. Wells Fargo stole {$700000.00} out of our insurance escrow account. XXXX XXXX XXXX XXXX paid {$1.00} million to WF escrow account in fire insurance money that was intended to repair and rebuild our home after a terrible fire. According to the Buidling Department and public records, only {$300000.00} was spent on our house. A portion of that {$300000.00} was the builder 's salary and 20 % contractor 's fee. We need Wells Fargo to cut us a check for {$700000.00}, the remained which was in the Wells Fargo escrow account, which was stolen, thanks to Wells Fargo and their illegal acts against their customers. We need this money to repair and rebuild our home. The house is greatly devalued and the neighbors are very upset that WF stole {$700000.00} of our insurance money and devauled our property, bringing down property values in the whole neighborhood. We have a 90 page list of specifics that XXXX XXXX XXXX  paid for with the {$1.00} million settlement that they put in the WF escrow account. We have estimates for the repairs, {$100000.00} to remove drywall and install new water pipes, replace with new drywall, the pipes are leaking as they were damaged in the fire ; {$100000.00} to replace XXXX destroyed windows and doors ; {$45000.00} to replace fire damaged roof ; {$50000.00} for soot removal ; {$35000.00} to replace fire damaged floors in 6 rooms ; {$6000.00} to replace carpets in 3 bedrooms ; {$13000.00} to replace a sub-zero refrigerator ; {$13000.00} to replace damaged chandeliers ; {$11000.00} to replace fire damaged drapes ; {$50000.00} to replace 4 fire damaged HVAC units ; {$5000.00} to replace 3 hot water tanks ; {$1000.00} to replace fire damaged washing machine ; {$5000.00} to finish the kitchen ; {$6000.00} to finish the electric ; {$25000.00} to rebuild the staircase ; {$30000.00} for laborers who never got paid ; {$50000.00} for paint ; {$10000.00} to replace fire damaged XXXX XXXX XXXX XXXX ; {$8000.00} to replace damaged gates ; {$8000.00} to replace fire damaged beds ; {$10000.00} to replace fire damages sofas ; {$10000.00} to replace fire damaged double french front entry doors and hardware ; {$3400.00} to replace XXXX televisions ; {$50000.00} replacement furnishings 7 bedrooms, linens, bed frames, pictures, tables, lamps, etc ; {$20000.00} to replace 2 upstairs bathrooms damaged by fire ; and so forth ; TELL WELLS FARGO TO MAKE THE CHECK IN THE AMOUNT OF {$700000.00} PAYABLE TO : XXXX XXXX XXXX XXXX XXXX XXXX and mail the check to the subject property address : XXXX XXXX XXXX XXXX, XXXX FL XXXX.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (NY)

Often the programming within the bank 's website requires me to reset or reestablish my online banking password. Unfortunately, due to this four times I have had to either go into a store or wait until I was able to establish the account details accordingly. I have received four late fees but Victoria 's Secret Comenity Bank has only refunded me one of the four late fees assessed.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC (AZ)

I am writing because I think your behaviour towards me in trying to collect the debt is unreasonable and could be considered to be harassment. 
Prizm financial has called me numerous times, in fact on a daily basis, despite me asking them to stop repeatedly. They have called my family multiple times with harassing calls despite them also asking for the calls to stop. I make my payment regularly on the XXXX of every month and every month they continue to harass me and my family. 
I am mentally affected by these harassing calls and emails. It is very upsetting and is emotionally draining to be called so many times through out the day and night. 
I have been advised that, under the Financial Conduct Authoritys Consumer Credit sourcebook, it is an unfair and improper business practice to continue harassing me by phone on a daily basis when I have asked you multiple times to stop. They have ignored my contact preferences numerous occasions.
Consumer complaint received 2023-05-17
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. (MD)

The address provided below do not belong to me and was use fraudulently to obtain goods and services. I am disputing this address and would like it to be removed from my XXXX, Transunion and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX.
Consumer complaint received 2023-05-17
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. (FL)

I NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ALSO I NOTICED XXXX IS THE ONLY BUREAU THAT REPORTED LATE. XXXX AND TRANSUNION REPORTED THIS ACCOUNT AS PAID AS AGREED
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX ( XX/XX/XXXX ), & XXXX XXXX XXXX XX/XX/XXXX )
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TN)

I received a card with a bad magstrip. 
I called the number on the back of the phone which was about a 45-minute wait on XX/XX/23. They said they would send me a new one XX/XX/23 I haven't received a replacement so I call them back up and go through another 45-minute wait. They say to wait it out XX/XX/23 I call them up and tell them it still had not arrived. it's another 45 minutes they tell me to email XXXX because they left the apt number off my request. 
XX/XX/23 their email service says they can not find my claim. 
XX/XX/23 I send them the gift card number and the code on the back, and they say I will have to call the number which requires 45 minutes of waiting to get an 8-digit code for a case number. 

They have intentionally long hold times, they have been shuffling me around left and right. I have already spent about 4 hours trying to get a birthday gift to work. This is unacceptable