davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$430.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$89.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (KY)

I requested the contract containing my signature, that shows any disclosure being shared with me as to any actions that were to take place at all stages of the agreement and thereafter. I also requested for the information that was not disclosed to me and agreed by me to be removed from my consumer report. I requested that all information containing credit transactions with regard to any particular creditor or debt collector be removed as it is not to be shared accept were allowed within certain circumstances according to US Codes. I requested were disregarded, and all information remains in my report, even though I have disputed this information for the last XXXX years and it has always came back as being verified and allowed. I have shared with them the US Codes pertaining to my complaint and they were also disregarded as if these companies know that nothing will happen to them even if they commit fraud and identity theft to make money by way of a consumer credit transactions using my social security number, which is a credit card according to 15 US Code 1602 ( l ). I stated to them that they were intentionally overlooking these complaints because if they were corrected as required by law, that this would affect their ability to make money from an account that must be removed. This knowingly and willful fraudulent activity should not be allowed. This is why the Fair Credit Reporting Act was created. And it is amazing that because they are a big corporation, they are allowed to get away with fraudulent activities, but if an individual commits fraud, even by accident, they are held accountable and put in jail. This causes the people to lose faith in the banking system and will at some point be the downfall of the banking system if it is not corrected.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 20th 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 an alleged fraud or extortion. 
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 2024-09-24
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. (TX)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1700.00} XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-16
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 11th 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX , CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX/2023
Consumer complaint received 2023-09-16
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Consumer complaint received 2023-09-16
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I went to Sephora at XXXX XXXX in XXXX XXXX to buy a gift card foe {$35.00} At the cashier I was asked so many questions like dob, last 4 digits of ssn, and when I asked for what all those questions they needed, the cashier 's answers was " maybe for some discount ''. The word " credit card '' never came up fron her mouth. I feel myself so stupid that I didn't figure it out right away. I just got my reciept where was written " congratulation you are approved for credit card ''. So, It was affected my credit history. If I don't use it, it will effect my credit history. If I close it, it will effect my credit history. I am not able to do anything without effecting my credit score. It's just a fraud to make people to open credit cards like that.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (AL)

I have bought online with my Sams club master card from XXXX some gold coins on XX/XX/2023 and I paid XXXX dollars. The package was ahipped with XXXX  and it was supposed to be delivered to my house. Then on XX/XX/2023 the tracking number for XXXX showed that the package was delivered to my house. But I did NOT NOT NOT receive the package and I did NOT sign for it and XXXX was never at my house delivering anything that day. I contacted XXXX  and XXXX XXXX  and an investigation was opened on XX/XX/2023. Now its been more than a month and I still have not received a refund or a replacement or reimbursement .XXXX XXXX is refusing to pay and XXXX  has a bunch of thieves working for them and now I am out XXXX dollars and NO gold coins so I lost everything and I disputed the charge with my Sams club master card with synchrony bank and synchrony bank has done NOTHING to resolve the issue and they have not given me a credit for the disputed charge of XXXX dollars. I lost my money and I never received the package and I know XXXX  employees stole the package. I need to be refunded and reimbursed for the money I paid for an item I never received. Synchrony bank should refund me the money because I never received the merchandise. 
I have filed a police report for this theft by XXXX  and XXXX XXXX
Consumer complaint received 2024-09-17
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. (MD)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX XXXX XXXX XXXX Account number : XXXX... 
Date of charge-off : XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies must ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I wrote a letter to each credit bureau back in XX/XX/ about negative items on my credit report and got no response. Im demanding these accounts to be deleted immediately. According to 611 ( 5 ) ( A ) of the FRCA
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (CO)

My longest credit card is with Wells Fargo but it was a college card so they told me to open a new account to keep my credit history. I did and then they automatically renewed my old card to a new non-college account and my credit took a hit and now I have two credit cards. I went into financial hardship and tried to make the payments but couldnt afford them. WF didnt help even when I asked for help and my cards were maxed out and reported to collections and tanked my credit.
Consumer complaint received 2023-05-19
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. (LA)

On XX/XX/2023 I received an email from the company XXXX XXXX XXXX. This email stated that my lease and history had been reported to Equifax and XXXX. On the XXXX my credit report updated, however the information on the credit report entered by the credit bureaus was not even close or similar to the information submitted to them. This is not the first time this has happened so I continued to file a dispute. After doing so my score was hit for XXXX and the previously reported account showed no activity and since has been turned into a negative item on both reports. I have since sent all documents to the bureaus proving my account statuses but they refuse to do anything other than deduct more points for my unwillingness to accept there calculations. I believe these calculations are in fact discrimination toward me individually as my research into the history of credit scoring shows a direct and abnormal calculation in comparison to historical similar scoring models within the same parameters as my account status. For example the company who reported my account reported a high credit of {$35000.00} the credit bureaus report {$0.00} The company reported open account, the bureaus reported closed account. The company reported XXXX years for XXXX account and XXXX years for the second. The bureaus reported 6 years at {$790.00} split and paid out over XXXX  years at {$10.00} per month. And on and on the report is so far from the actual facts that I have found myself at odds with my sanity as I literally can not finance a canned soft drink without a cosigner. Upon notifying the bureaus of this are and submitting the documentation from the reporting company to them directly I only receive more points subtracted from my score instead of incorrect reported items. I am to the point that I have no choice but to hire an attorney and seek damages for fraud, discrimination, and unfair reporting practices at biased without benefit of reconciliation. I will include the screen shot of the summary as well as a copy of the reported information from the reporting source
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00}.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union (CA)

on XX/XX/XXXX I noticed several fraudulent transactions with a merchant I have never done business with, nor anyone with my knowledge/permission. I immediately called First Tech FCU and they instructed me it must be reported online or in app, and it would cancel my card automatically. I complied and dad that immediately. 

The next day I receive an email saying due to activity deemed suspicious my login, cards, ach, access to funds, abilty to deposit funds and anything else account related is fully blocked, indefinitely. As described I could not login. I called and am told that my case is being handled only by the fraud department. i can not speak direclty with them, the best I can manage is to wait on hold as the rep chats with them, but even with those lengths it turns out the information I was given is not accurate. 

I asked how I will be able to follow up on the status of my fraudulent charges, they promised me to put a note in my file and also reassured me that i will not have to have access to online banking and they will email me directly. They did not, and exaclty as i was worried about I got an email from First Tech on XX/XX/XXXX saying I have a secure message, but i can not login to see it. On this call on XXXX I also told them i just moved and I can not even update my address. They said they put a note that will be seen and i wont receive correspondence to the prior address, but they can not update it becasue they are " locked out ''. I have received no letters to my new address, so this appears to be false as well. 

My most pressing concern on XXXX was the roughly {$6000.00} in fraudulent charges. I wanted to submit some information to help the investigation. They said wait till I hear from them by email. I asked about what if my account was still frozen after the conclusion of the investigation, will my funds be deposited? they didnt know. I then asked about Regulation CC policies, and if my case was still being reviewed in ten business days, will I be issued provisional credits pending the investigation concluding. They said i will not be. I was confused as I understood this to be federally regulated, I was told no, not when we are reviewing your account, we do not. They then said I will be getting an email from fraud and they put notes updating my address. None of that happened. 

I carefully reviewed Reg CC and my fraud tranactions fall under debit card provisions, it was fraudulent I do. not know the merchant, my account was not less than 30 days old ; is it acceptable for First Tech FCU to deny provisional credits after ten business days due to " suspicious activity?
Consumer complaint received 2023-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (FL)

I requested a payday loan of {$720.00} due to a financial hardship. When I initially submitted the application for the loan I never received an email stating that the loan was approved or the terms. I had to call the customer care line to find out that it was approved. I was told my email was misspelled and that was why I did not receive the email. I was told the email was corrected and I would receive the terms shortly but I never did. Their website does not easily show the term details when you log in. I finally located the document after I kept getting automatic payments taken out of my bank for the loan. I assumed the loan was paid because at least {$920.00} had already been taken for the {$720.00} loan. To my surprise the repayment amount is over {$3000.00}. I would have never in my life agreed to pay back {$3000.00} for a {$720.00} loan. The site is completely misleading and isn't transparent when requesting the loan.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX, my paycheck deposited into my checking account. Some auto pay transactions were pending and with them pending, my available balance was adjusted to reflect the funds available. I was positive. I called the bank to validate the information in which they did. I went through the whole week and XXXX business days later, transactions posted to my account that must have disappeared and overdrew me over {$400.00}. When i called customer service, the banker said i was always negative when i kept using my debit card. This was not accurate. I had contacted the bank multiple times during that week and did screen sharing sessions that would show the positive balances during the time they claim I was negative. Also the phone conversations/automated calls that reflect positive balance as well. The following direct deposit on XXXX brought me current after the checking account was brought current. I had enough money to make a few bill payments. The money deducted from my checking account as normal and i was able to maintain a positive balance. At some point my checking started to reflect a negative balance in which i was given an over draft fee of {$36.00}. As days passed, i would see my bank account reflecting a positive balance and finally on XX/XX/XXXX, XXXX transactions posted that put me at - {$9.00}. Somehow they charged me FOUR overdraft fees and when i went into the bank to address the fees, they said the type and amount of transaction can result in the issue of overdraft fees. At the time i didn't realize that i only had two transactions that were resulting the four fees. At the time i had another transaction pending for Internet payment and on XX/XX/XXXX, that payment posted and i was charged a fifth overdraft fee. I have no idea how they are calculating when to charge the fees but the fees exceed the amount of overdrafted transactions. They claim to have started an investigation but i did not see them take the steps to do this. 

I also have multiple transactions currently pending from merchants that i have placed stop payments on which has also resulted in deduction of available funds.