davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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. (FL)

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-04-25
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2023, I went to a branch of Citizens bank which is located on XXXX XXXX XXXX, XXXX Massachusetts to carry out a foreign wire transfer to XXXX. Upon completion of the transfer of the sum of {$16000.00} ( XXXX XXXX, XXXX XXXX and XXXX dollars ) from my checking account with Citizens bank of which {$80.00} dollars was the transfer fee for the bank, I was issued a receipt. Equally, I was assured that the transferred funds will be in my beneficiarys account on or before XX/XX/2023. After the assured date, the money was not deposited in my beneficiary account which I provided to the bank. I called Citizens bank severally to make a formal complaint about the issue and I was told that they will send a note to the intermediary bank to inquire about the funds. Upon subsequent calls, I was told that they can not force the intermediary bank to respond to their note. 
On XXXX XXXX, I made a formal request to recall the said funds. However, the bank officials told me that they can not force the intermediary bank to refund the money nor compel them to respond to their note. I have not received the said refunds up till this moment. Also, they kept saying they can not force the intermediary bank to refund the said funds and they can not force them to respond to their note.
Consumer complaint received 2023-05-28
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. (TX)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account # ending in XXXX and XXXX XXXX XXXX XXXX : Account # beganing in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

There are 2 different companies that I want to put a complaint against. 

The first is the company of the ATM company inside the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX XXXX. I took out XXXX XXXX  from my debit card that belongs to Wellsfargo. After I used this ATM someone duplicated my debit card and was able to use copy the card number and pin. This took place on Tuesday at XXXX  XX/XX/2023 and then Thursday at XXXX XXXX  I received a text alert that my account had a possible {$460.00} attempt to be taken out of my card at a ATM .Wellsfargo was called to cancel and they would not divulge the address where the ATM was located. So I looked up the amount on my Wellsfargo online account and i found an address associated with all of the attempted charges. This address was at XXXX XXXX XXXX XXXX XXXX TX XXXX. The customer service at Wellsfargo should know this easily but told me he could not see an address associated with the XXXX  even though it turned out to be one of theirs. I visited the bank and they would not even look at their cameras to get a picture or license plate number of the person who was there for 15 different tries on my card to get XXXX dollars then they tried XXXX then XXXX dollars. When I visited the branch the Bank Manager stated that even they tried they were not successful so that there was no need to investigate anything. I told him that there should still be a suspicious activity report and to have someone view the footage ( incase there is license plate of a car ) a freeze frame of the person to see how they look like. Maybe even show it to the XXXX XXXX manager who have control of the ATM inside their store. I was told that there was not much that they could do and that they already cancelled my card so that I would get another and too just lower my daily limit to XXXX dollars. The associate that helped after the dreadful Bank Manager was better. She stated a police report would help more to have something on file and she did try to call their call center to see if there was anything more that could be reported. She was very nice and helpful in calming things down. 

There is someone out there or possibly a group still out there trying to get ahold of other people 's ATM cards if they got mine then they have other 's card information too. As they stood in front of that ATM for at least XXXX minutes trying to take out XXXX then XXXX then XXXX then XXXX out of my account I am sure they also tried other cards. Wellsfargo Manager did not want to take a look at their camera. I know that banks circulate pictures of suspicious people and bank robbers why can't they cooperate with the police on this as well? I will alos be filing a police report and will want someone to at least tell me they tried to look for the footage of XX/XX/XXXX at XXXX from their ATM footage.
Consumer complaint received 2023-04-25
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. (IN)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2023-04-25
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. (GA)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX 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 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 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 2023-05-28
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. (TX)

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and made by the following companies investigate the following information. 
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 
Please be advised I dont want to receive any stall tactic computerized response in reply to my dispute letters by bureaus.
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank, Victorias Secret, sold an apparent debt to XXXX XXXX XXXX. This company neglected to send the bill to the correct address over 7 billing cycles and received returned mail. I was never notified of the purchases on the account nor did they send a bill to the correct address if the purchases were made. 

XXXX XX/XX/2019 was the time the bills were consistently sent to the wrong address. 

I contacted Comenity Bank to inform them that I never shop at Victorias Secret and if I did I would have not spent the amount on {$480.00} I asked why they couldnt inform me of the account, purchases and dates of purchase and they couldnt not provide me with this information being they sold it to a debt collector. 

I would like to dispute the charges as it may be fraud.
Consumer complaint received 2023-05-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (TX)

I am so tired of being told to talk to some other collection company for a debt that is clearly not mine! Please remove this from my report. Cease and Desist with contacting me about this debt via written letter, or phone call. Read the documents and please just leave me alone! 

Since XXXX this year I have been asking XXXX to delete the fraudulent report that someone took out in my name. It was the result of identity theft. I have sent them so many letters, the last one was in XXXX. They know that the account is fraudulent and acknowledge it. However they keep telling me I need to speak with a third party called Velocity Investments about getting the account resolved or getting the record deleted. This is not my account its fraud. FCRA requires them to delete accounts within 5 days when Identity theft is involved. They are being irrational and telling me to ask someone who does not have any record on my reports to delete it. It make no logical sense. XXXX needs to delete this public credit record as its clear that the account is not mine. My name is XXXX XXXX XXXX XXXX. They can not produce any signed agreements with my name. I have been dealing with so many people opening accounts with different variations of my name, but I use my full name when I do loans because the identity thieves do not have that information. Please see my attached birth certificate. Please compel them to follow the law and delete this. They have been provided everything they need yet they keep being irresponsible and stubborn. Please make them respect the your organization and respect Federal Law! I am a XXXX XXXX  XXXX combat veteran. This is affecting my health tremendously. I am not well and the stress of having my identity stolen and being put through so much to fix the damage is exhausting. I should not need to spend so much time fighting this. I am an honorable man who has been awarded many medals. I deserve to be believed and respected!
Consumer complaint received 2023-04-25
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-28
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. (OH)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-05-28
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. (NM)

I just got my credit report after almost 2 years of not monitoring my report after getting calls by collections agencies asking me for my informations to verify a debt, which I refused to do and then checked my report. I have been a victim of identity theft and had fraud alerts placed on my reports 2-3 years ago YET some accounts have still been opened. 
Not just that they refused to removed addresses Ive never been associated with or like at AND XXXX has a ssn on my profile that isnt mine and REFUSES to remove it. 2 years ago I had them remove it by disputing it, I sent in a copy of my DL, a picture of my ssn etc and they told me it will be removed. They never did! They I called to let them know that XXXX XXXX Cant even generate my score because of mix match files on my report ( the ssn ) and they had the nerves to tell me nothing is wrong with my credit file and they can send me by mail my credit report. XXXX?!? I need to acces my credit report online! I dont pay {$29.00} to have to call you and request my credit report. I have been unable to open a checking account with XXXX XXXX even though I have a savings account with them because they uses XXXX and couldnt access my report. Again XXXX was no help. This is my last attempt before I lawyer up and sue them.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

On XX/XX/XXXX i tried to pay my mortgage, but since this is my last payment the website doesnt allow me to make the last payment of XXXX. The website will only allow me to pay XXXX i make a payment in this amount and then call RightPath servicing to find out what i need to make a final payment. The phone rep says i can pay only with a certiefied check or by wire since that is company policy. When i ask for the payoff amount I am told i can have it immediate for {$25.00} dollars or it can be mailed at no charge. I choose mail and ask what will happen to the payment i made. the rep says it will be rejected because it is lower then the normal monthly payment. The final payment total is available online on XX/XX/XXXX in my account documents. i send the amount of XXXX by wire that morning. On XX/XX/XXXX the payment of XXXX that i was told would be rejected is withdrawn from my account leaving my checking overdrawn by {$580.00} dollars. My wife and I both call RightPath servicing and are told there is nothing they can do at this time until it clears and then we can send a statement from my bank so we can recover our money.
Consumer complaint received 2023-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. 
Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXXXXXX account. XXXX then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. 
Zelle portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to Zelle at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.