davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C. (CT)

XXXX XXXX with XXXXXXXX - Case XXXX is representing XXXX XXXX XXXX XXXX XXXX. I moved out due to military orders leading up to my XXXX. I notified the company prior to moving out, they accepted then when I left charged me additional fees. The account is now with a XXXX XXXX- and I've resent her the proof. I've asked them to utilize the deposit and zero out the balance however I do not owe any fees. I met all demands moving out. I have sent my military orders and all, I've disputed and proved this over and over and they won't remove it from my credit.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Climb Credit Inc. (CA)

Climb credit or XXXXXXXX XXXX  was reporting incorrect information, I cancelled class before the start and the school has been notified them to refund full amount of the loan, but climb credit or XXXX XXXX was ignore about the issue, theyve been reporting all late payments on my credit report which is damaged my credit and ruined it to get my dream home loan. This has to put the very urgent attention of this company, with the damaged and fraud credit reporting, they need to resolve and pay for the damaged of what is happening right now ASAP. Launch service or climb credit state that they has been fixed since XX/XX/XXXX, up on today its not seem like theyre doing anything, I requested the letter head of they send to credit agency. Called and called never been resolved.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

Dear XXXX, XXXX. Customer Service, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with XXXX, XXXX. I have been a customer for [ duration of your relationship with the company ], and I have always valued the services provided. 

Unfortunately, I recently faced some significant hardships, including job loss, which impacted my financial stability. During this challenging period, I fell behind on my payments. I acknowledge my responsibility for these late payments, but I am reaching out in hopes of receiving a goodwill adjustment to change my account status from late to PAANL ( Paid As Agreed, No Late Payments ). 

I have since secured a new job and am committed to managing my finances more responsibly moving forward. Adjusting my account status would not only ease my current financial burden but also help in improving my credit score as I work to regain my financial footing.

I appreciate your understanding and consideration of my situation. Thank you for your time, and I hope to hear from you soon. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MO)

To Whom It May Concern, I am writing regarding my American Express business credit card, account number XXXX, with a balance of {$670.00}. I have previously received a letter from American Express dated XX/XX/2024, acknowledging that a computer error occurred and confirming that I did not owe any balance on my credit card. The letter indicated that the necessary corrections would be made to resolve this issue. 

Despite this acknowledgment, my credit card has been closed, and derogatory marks related to this account remain on my credit report. This is deeply concerning as these errors are the result of a technical issue on American Expresss side, not due to any fault of mine. The closure and negative reporting have significantly impacted my business operations, as I relied on this credit card for essential business expenses. 

The situation arose after my original credit card was stolen, which prompted my request for a replacement. I do not understand why my account has been closed instead of being properly corrected as promised. I respectfully request the following actions be taken immediately : 1. Reinstate my business credit card account and issue a new credit card to replace the stolen one.

2. Remove all derogatory marks associated with this account from my credit report, ensuring that no negative impact remains due to the technical error. 


XXXX. Provide written confirmation that these corrections have been made and that my account is in good standing. 



I have always valued my relationship with American Express and hope to resolve this matter promptly. Thank you for your attention to this issue, and I look forward to a swift resolution that allows me to continue using my business credit card without further disruptions. 

Sincerely,
Consumer complaint received 2024-10-21
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: CITIBANK, N.A. (NC)

Dear CitiBank, I am writing to bring to your attention that my CitiBank credit card account ( Account Number : XXXX ) is not currently reporting to either XXXX or XXXX credit bureaus. This is a valid account, and it should be reflected on my credit reports with both agencies. 

I kindly request that you take the necessary steps to ensure this account is accurately reported and reinserted into my XXXX and XXXX credit files. 

Please confirm once this issue has been resolved. If you require any additional information from me, feel free to contact me. This was previously disputed several weeks ago and still no resolve. 

Thank you for your assistance.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I took notice to inaccurate information on certain accounts. The accounts goes as follows ; [ XXXX  Account Number : XXXX ] [ XXXX XXXX XXXX  Account Number : XXXX ] XXXX XXXX  Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2023-07-08
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. (FL)

18 USC 247 ( a ) ( 2 ) Antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof for inaccurate, incomplete, fraudulent information or information can not be verified, in fact therefore exists. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (IA)

Subject : Request for Removal of Inaccurate Charge-Off Under FCRA Section 1681 ( e ) ( b ) Dear Sir or Madam, I am writing to formally dispute the inaccurate information that appears on my credit report. Specifically, I am disputing the following account : Creditor Name : WFBNA CARD Account XXXX Date of Charge-Off : XX/XX/year> Amount : {$910.00} The information regarding this account is inaccurate and incomplete. Under Section 1681 ( e ) ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. 

I believe that your agency has failed to meet this standard in regard to the reporting of this charge-off. I respectfully request that you re-investigate this matter by contacting the original creditor to verify the accuracy and completeness of this information. If the account can not be verified or is found to be inaccurate, I demand that it be promptly removed from my credit report in accordance with FCRA 1681 ( e ) ( b ). 

Additionally, under Section 611 of the FCRA, credit reporting agencies must investigate disputes within 30 days. If the charge-off can not be verified, the credit reporting agency is required to delete the inaccurate information from my credit report. 

Please send me written confirmation once the investigation is complete and the inaccurate charge-off has been removed. I expect a response within the 30-day period, as required by law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

I noticed multiple withdrawals transactions taking place yesterday evening ( XX/XX/year> ) since I receive banking notifications from my XXXX app. They kept taking {$100.00} out of my account and within minutes it all added up to $ XXXX stolen from my account. I immediately called XXXX and notified them of this fraud and had them file a claim on all these transactions. I just received notification that they denied all my claims on all the transactions and I tried calling their customer support just now to ask about why I was denied and to file more claims on this fraud. It is unacceptable to deny my claims in only a day of investigation and all the transactions taking place individually of a total of XXXX {$100.00} withdrawals in a place I dont even live ( fraud was committed in XXXX  and I reside and work in XXXX XXXX XXXX. It is after hours so I can not reach customer service but I will contact them about this immediately when I can. This is clear debit card fraud and I would appreciate reimbursement. I have my physical card still on me so it has never been lost or stolen. XXXX canceled my card and is sending me a new one after I called yesterday.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Wells fargo Fraud Claim Case # XXXX : WELLS FARGO REFUSAL TO RETURN STOLEN FUNDS XXXX SCAM XXXX  XXXX I am writing to dispute fraudulent XXXX charges on my account in the amounts of {$5000.00} and {$5000.00} ( totalling {$10000.00} ), and posted on XX/XX/XXXX. 

I am a victim of identity theft, and I did not make these charges. On XX/XX/XXXX I called WellsFargo Fraud department and was told my claim was denied and closed. 

I am requesting this case to be reopened to provide further evidence. Police have been contacted, report to follow. Statement included on Identity Theft Report below. 

Furthermore, I request that you remove the fraudulent charges and any related finance charges and other charges from my account, send me an updated and accurate statement. 


on XX/XX/XXXX, I received text notifications from a wells fargo phone number that 2 recipients were added to my wells fargo XXXX  account. i checked my account and they were indeed added. within seconds i received a call from a person claiming to be wells fargo fraud dept asking if i initiated transfer to these 2 individuals. i said no, they sent me a texting asking to verify my identity. i provided them the code in text. They said the charges are pending and would be returned by monday. They processed XX/XX/XXXX in a total of $ XXXX. i called wells fargo directly at this time. They denied contacting me friday. I also received a text asking if i was togging in from XXXX texas. i also received notice that my data was leaked in the change healthcare breach on XX/XX/XXXX. On XX/XX/XXXX wells fargo denied my fraud claim.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MD)

The APR on the account prior to the Federal Reserve interest rate decrease was 29.99 % and when the most recent statement cycled on XX/XX/year> the APR on that statement reflected 29.74 % which is only a quarter percentage instead of the actual half percentage so the statement should be refecting 29.49 %
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

Experian makes it difficult to freeze credit reporting by making the request process unnecessarily complex and difficult to find. They also use similar terminology ( credit lock ) in an apparent effort to sell a product instead of easily providing this free service. XXXX XXXX XXXX make credit freezes simple and easy to find when initially logging in.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc (CT)

XXXX withdraw of {$160.00} and machine only disbursed {$120.00}. I immediately called the XXXX Phone number and detailed what had happened. They person a stated that they would dispatch a tech to check the machine. I called back that same evening and was told that the technician found a jam. I was instructed to call my bank and dispute the charge. I called Chime and they said the would investigate. They contacted me and said they denied the claim and I asked why. They said that I was given {$200.00} and they could not find evidence of fraud. I explained the whole situation again and they said once again they would investigate it. The date of the initial withdrawal was XX/XX/year>. As of today I have not received a refund or explanation.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

about 6 months ago XX/XX/XXXX i opened a venmo banking account because i had just got my paper check from XXXX  XXXX $ and i couldnt go to the store to cash it because i didnt have no id so i downloaded venmo and cashed my check there it worked but i wasnt able to transfer it because it kept declining my transfers and i also tried to use my money otherwise and declined that transaction with XXXX  after a few more tries they suspended it and remind you i didnt have my id so it was hard trying to get it unfrozen i contacted them and let them know i didnt have the hardcopy of my id and i asked them about the account and if i can use my id receipt and the lady said yeah but in the email the account specialist saud no they couldnt use so i waited all the way until XXXX and still didnt know what was wrong with my account and why my purchases kept declining and the transfers kept declining but about XX/XX/XXXX i got my account reinstated over the phone with venmo because i threatened to retain legal action but they unfroze it and i still wasnt able to use my money ir make transfers i even unlinked my card and my other bank account abd added my mothers card and bank account but that still didnt work nor the transfers so i called them again and the lady said that i should be able to use and make transfers the very next day with the funds i had available abd to call her while XXXX made the transfer so i waited the next day called and spoke with the supervisor and it still didnt work and my acount was back suspended the supervisor got mad at me and told me she couldnt reinstate my account over the phone but mind you i told you the dude did the first time so i asked if she could just send my a check i dont care about the account anymore its just the money i really need it and i worked hard for that XXXX $ plus i have a baby due this month on the XXXX he needs things i need things its just frustrating and its like they got locks on my account and holds and i just want them off so i can use my money
Consumer complaint received 2022-02-19
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: CCS Financial Services, Inc. (OH)

On XXXX XXXX, 2021, CREDIT COLLECTION SERVIC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2023-07-08
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. (NC)

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 an account without my written instructions.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. (NY)

I initiated a money transfer with WorldRemit on XX/XX/24, yet the transaction is still being held due to a WorldRemit technical issue. 
Despite repeated inquiries, nothing seems to be done to resolve the situation. I feel like my money is being held XXXX as they insist that the transaction is still in progress. When I contact them they say they can not give me a resolution date and that I should just wait until the problem is fixed. 
I requested that they please cancel the transaction but they fail to do so. The lack of communication and urgency is extremely frustrating.