davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/year> I received an automated email from USAA saying my contact information had successfully been changed. Since I did not make any changes I immediately logged into my account and realized both my mailing address and email address had been changed. I also noticed that I had been approved for a new credit card that I did not request. I immediately called USAA to report that fraud had occurred and my account information had been changed and a credit card opened without my consent. I was told they would refer my incident to the fraud department and not to cancel the credit card as that would occur during the fraud review. That same day I placed fraud alerts with the credit bureaus. From XX/XX/XXXX until XX/XX/year> I had no contact from USAA on the credit card account. Neither emails nor mail regarding the credit card were sent to me. On XX/XX/XXXX, I received an automated message stating my account was past due. I immediately called USAA to understand what happened. I was told the fraud department had concluded that no fraud occurred and my account remained open. The past due charges were related to an unpaid annual fee. USAA also confirmed they had never mailed me the credit card nor sent any email or mailed statements to me, so I would have had no way of knowing the account was still open. They also let me know that I am not able to speak with the fraud department and my only option would be to request another review through the fraud department. I was also advised to not pay the past due fee because that would signal that I took ownership of the credit card. In a 90 minute conversation I which I expressed grave concern that this past due account would be reported to the credit agencies and cause significant negative impact on my credit score, I was still given no options to resolve this opened account. Not only that, but I was told no one would reach out to me to let me know the outcome of the fraud review and it was my responsibility to continually call USAA until a determination was made by the fraud department and I would be told when I called. I learned on XX/XX/XXXX that my past due account was reported the credit bureaus and my FICO score dropped XXXX points.
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was contacted by a person, using the Wells Fargo phone number, asking me to assist in a fraud detection at the bank, asking me to transfer {$44.00} to an undisclosed bank in XXXX XXXX. As I started doing it, I realize it was a fraud operation. Run to the bank to place a stop payment. Although that operation was done, the bank proceeded to transfer that amount without my consent. 
I contacted the receiving bank, who promised to withhold the release of the fund, something that did not occurred. The funds were released without me being able to stop the operation. 
I had several contact with the bank, who ended being a bank in XXXX, with no result. 
Contacted Wells Fargo, the FBI, and the local police. 
I received a confirmation from Wells Fargo that they were promising a prompt action. 
That never occurred.
Consumer complaint received 2023-08-10
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. (KY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello my name is XXXX XXXX i applied for a XXXX XXXX in XX/XX/year>. Never received my credit card so i called and closed my account in XXXX. They never sent me any letters in the mail or email me about a balance due immediately after me closing my account. They left my account open against my wishes and now they reported my card payment 30 days late and my XXXX XXXX dropped XXXX points.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

On XX/XX/year> someone try to open two credit cards from XXXX  XXXX XXXX  and The Home Depot credit card. I did not apply for these cards on XX/XX/year>.
Consumer complaint received 2024-11-04
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 (FL)

On XX/XX/XXXX I stopped for gas at a XXXX. The XXXX XXXX  did not have a tap to pay option. I had to enter my debit card and PIN number to start fueling. I then continued driving on to my destination. On XX/XX/XXXX a charge from both XXXX and XXXX XXXX was posted simultaneously to my checking account with a transaction date of XX/XX/XXXX. The XXXX charge was {$310.00} and the XXXX XXXX charge was {$130.00}. 
When I looked up the XXXX and XXXX XXXX, based on the store number from the posted transactions, it happen to be the XXXX XXXX XXXX XXXX  to the XXXX XXXX  XXXX  and XXXX  XXXX XXXX XXXX XXXX. 

I called Wells Fargo and Disputed the charges, since I did not make those charges. After getting gas I continued driving. I had my kids in the car with me. Any mom would know that I would definitely remember getting my kids in and out of their car seats twice to go into stores. I also would have noticed the {$310.00} worth of groceries from XXXX and the {$130.00} supplies from XXXX XXXX. Also to mention, I did not even stop at the XXXX XXXX or XXXX. Therefore, theres no way I made those charges. 

Wells Fargo immediately refunded my account {$450.00} during the investigation. 

Now 3 months later the {$450.00} was taken OUT of my account by Wells Fargo. Wells Fargo denied the claim 3 months later. They did not provide any reason as to what evidence or reasons they have to deny the claim except for stating they were authorized charges. 

I kept asking what basis they were using to determine that the charges were authorized charges. They provided no answer. I, the owner of the account, did not use my debit card at XXXX or XXXX XXXX that day. Neither did my husband, who would be the only other authorized user. Therefore, they were not authorized charges. 

Wells Fargo would not explain anything to us. They said there was nothing else left to do. I guess they are assuming I am suppose to let someone take my {$450.00} and be ok with it? 

What happened is someone stole my card information when I inserted my card at XXXX. They took the card information and used it at XXXX XXXX and XXXX. Now Wells Fargo is completely supporting someone else using our money. It was our money we worked hard for and we trusted in WellsFargo to keep safe. 

Those were my last XXXX transactions with that debit card number since I canceled my card immediately.
Consumer complaint received 2024-10-03
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)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

I consolidated my student loans back in XXXX. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with MOHELA they reported XXXX or XXXX separate loans in addition to my large consolidated loan. They also reported XXXX to XXXX late payments on each XXXX of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past XXXX  years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported XXXX late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is XXXX percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ XXXX, which is now on my credit report twice along with an additional loan amount of roughly $ XXXX which is part of what has already been consolidated. I should only have XXXX consolidated loan in the amount of roughly $ XXXX and all late payments, all XXXX late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!
Consumer complaint received 2024-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Disputed account balance with all bureaus which has balance due customer of XXXX $ XXXX XXXX XXXX. Not corrected score unchanged. Constant balance and score difficulties Please assist
Consumer complaint received 2024-10-03
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have tried to dispute with portfolio recovery and they have not validated the debt. I have requested XXXX, XXXX and XXXX to remove this in accurate information but they keep on posting it back after removal. Please assist I'm really frustrated at this point.
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: EQUIFAX, INC. (SC)

VALIDATION AND CEASE AND DESIST Account number : XXXX XXXX XXXX Your NAME : XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase received my deposit of {$1500.00} for a settlement on a Monday. I was notified hours later that my deposit is pending and I should receive the funds the following business day. Later in the day, Chase emails me and tells me they are holding my check for 11 days due to the fact that they dont believe its going to be paid. I called them and instead of verifying the check, they continued to claim theres nothing they can do and they continued to hang up on me. Now its 11 days later. My check cleared and my balance reflects my check but my account is still restricted and there is nothing I can do to receive my funds because they are refusing to remove the restriction based on the fact that the check is going to return even though my attorneys bank says otherwise.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (FL)

XXXX XXXX XXXX Listed as original creditor. I have contacted the company asking for proof that I have did business with them directly and they have failed to provide this information. I have also notified all three credit bureaus and are demanding this false information be removed.
Consumer complaint received 2024-10-23
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is collecting debt for XXXX XXXX XXXX for the amount of XXXX. I do not own a credit card with XXXX XXXX. I was not aware of this account until I saw it on my credit report. I have been battling identity theft. I would appreciate if someone looked into this and would take this off of my account.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (CO)

I set up automatic withdrawals from XXXX XXXX to SoFi, XXXX XXXX didnt allow them through and SoFi didnt have an option on the app that was visible to cancel the withdrawal. 

They closed the account due to bounced payments with zero contact from the fraud department beforehand that would have allowed us both to work it out. 

Then they blocked me from making a new account.
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: EQUIFAX, 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 : XX/XX/year> 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 2024-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MD)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.