davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2017-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

In XX/XX/XXXX I received a letter from Portfolio Recovery trying to collect an alleged debt of XXXX that is not mine. I called inmediately to the phone number provided to inform that there was an error because that debt was not mine. I talked to an operator named XXXX and gave me the address to write to the dispute department. I inmediately disputed the alleged debt and they send the evidence they have that consisted of some copies of statements that are not mine. The statement is from a person named XXXX XXXX who lives in XXXX, Florida. I have always live in XXXX XXXX and my full name is XXXX XXXX XXXX XXXX. I called and wrote Portfolio Recovery disputing the debt and they refused to accept the information given, after receiving various letters and unwanted phone calls I decided to send them a certified letter telling me to stop writing and calling me. After I sent that certified letter in XX/XX/XXXX, Portfolio Recovery in reprisal notified credit companies in XX/XX/XXXX that I had a alleged debt which is not true and affected my credit score from XXXX went to XXXX. I want this information to be removed from my credit report because this alleged debt is not mine. The information given by this company is inaccurate and false.
Consumer complaint received 2024-05-27
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). The account may not be reported as unverified information without providing any supporting information within the legally allowed time range. This is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX XXXX
Consumer complaint received 2017-09-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PR)

In XXXX I had noticed that my credit report had an account that was being reported by XX/XX/XXXX that stated that I had a balance of {$280.00} that I did not recall as being mine ( see evidence attached ). I was a co-signer. I disputed the account with XXXX, XXXX and Experian. I later received the information that the accounts had been deleated ( see evidence attached ). In XX/XX/XXXXI requested my credit report again and the account remains on my report but it is only being reported by Experian. This car per the owner of the account has informed that was paid off in XX/XX/XXXX. I contacted the bank and disputed the account again with Experian but the account now appears as if it is being paid but the balance of {$210.00} does not change. Please see evidence attached. I do not feel that my credit report should continue to show this account as delinquent since the car loan has been paid off since XX/XX/XXXXand I do not recall any other debt. Please advise if this account can be removed in order for me to continue to inprove my score and manage my finances.
Consumer complaint received 2023-10-20
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. (MA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2017-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (PR)

Hi, This week I try to open a bank account in XXXX XXXX were I live. The bank consultor told me that under Social Security number is an account open in a bank called TD Bank in the United States, with a negative amount XXXX {$36.00} XXXX. I never live in the United States niether known from this bank. I called TD Bank and they ca n't explain me what account is, but when they search for my information my name shows up. All I know is that there is somebody using my Social Security and name in the United States.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I am in contact with a recruiter from XXXX XXXX regarding CRA position virtual and they told me that they gon na send me a check to deposit to my account then send it back to them to purchase my equipment, they stop responding them now and I tried to recall the amount from wells fargo but both wells fargo and XXXX XXXX wont help here is the account of the fraud individual that I sent two transfer XXXX, XXXX the money originally came from XXXXXXXX XXXX  that has no value Account Name : XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : BUSINESS CHECKING XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX OR, XXXX, XXXX
Consumer complaint received 2024-05-27
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)

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 XXXX Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 2023-07-12
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. (NY)

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 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 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Solutions (PR)

I paid credit solution {$100.00} to fix my credit and the company never did anything. they never send me no documents I spoke to the cwustomer service of credit solution and the lady told me that she sent me papers and the paper never arrived to my address I send her through XXXX XXXX a message of a picture that I received from XXXX that she was going to remove that specific account " XXXX XXXX XXXX XXXX " a year passed and i never recived no documentations and no proof of that account that was deleted. She says that they already deleted A XXXX XXXX XXXX XXXX from XXXX credit report and I never had that account on XXXX I only had it on XXXX  she stole my money and they do n't want to give me back the money or they do n't want to do the service neither
Consumer complaint received 2017-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: HSBC NORTH AMERICA HOLDINGS INC. (PR)

XXXX XXXX XXXX threated to suit me ( XXXX XXXX XXXX XXXX XXXX ) and threated me to take me to court while I was unemployed and on financial hardship on XXXX 2013, and I am in a financial hardship as of now, and asked me to pay {$1800.00}. they did not care and asked me to pay the debt if not they will take me to court.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Creditor has not updated my request to remove and close account for illegally reaging my account from XX/XX/XXXX to XX/XX/XXXX the creditor reaged my account more than 6 months. 

on XX/XX/XXXX i requested Please delete off my XXXX account because the creditor has re-aged my account and this a FCRA Violation. XXXX aged my account to XX/XX/XXXX however Experian shows XX/XX/XXXX creditor has failed to update dispute status, which is a violation please do not correct but remove from my XXXX report because high credit limit is inaccurate. XXXX and Experian shows different limit please remove off my report XXXX reported " 60 days late in XX/XX/XXXX but reported ok in XX/XX/XXXX this is inaccurate and unverifable
Consumer complaint received 2024-05-27
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. (CA)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute. The credit Bureaus were responding proving to me that I was correct. Their records show that it was incorrect. Since your investigation was done improperly, I need you to update/correct this account from my file. 
XXXX XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-07-12
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. (FL)

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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-12
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. (SC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Experian and XXXX Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00}.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (TX)

Notified by US Bank Rep that my US Bank Business Credit Card  was late on payment despite no notification via my personal online banking profile or email. My bank statement said I owed {$0.00}. 

I made payment with the US Bank Rep over the phone for minimum payment. 

I was notified by the US Bank Rep that she would put in something so I can see what I owe on my personal banking profile. This would occur on Monday XX/XX/2023. I was also notified that US Bank will reach out to me on Wednesday XX/XX/2023 in order to establish my business profile where I can see the statement, make payments, and be up-to-date on the account. 

As of right now, I only have my personal online banking profile login and I need to establish the business online banking profile so I can see my balance, make payments, see the statement, and so on.
Consumer complaint received 2023-07-12
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. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-08-25
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. (PR)

This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against XXXX XXXX for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized XXXX XXXX XXXX hard inquiries : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XXXX/XXXX/XXXX Equifax reported AGAIN a XXXX XXXX hard inquiry. I am really tired of doing this every time in fact is my intention to sue XXXX XXXX if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

I wrote a check for {$100.00} and someone stole and changed the amount to {$900.00}. I only had {$730.00} in the account at the time the {$900.00} check was deducted from the account sending it in overdraft. Now I am being charge the difference and I have several other checks that will be returned to my creditors and possible charged returned fees. No one can explain why that check was allowed. I have banked with Wells Fargo since 2016 and never had insufficient funds. They say I have to wait at least 10 business days for the matter to be resolved. In the meantime, my credit score is being effective. The representatives say they are looking out for the best interests of the customers when they allow this action to occur. I asked for the same best interest and consideration from them not to withdraw the overdraft amount to be deducted from my account until this matter is resolved. No, was their response. The overdraft amount will be taken out before the issue is resolved.
Consumer complaint received 2017-08-25
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: JPMORGAN CHASE & CO. (PR)

This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against Chase Bank for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized Chase Bank 's hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XX/XX/XXXX XXXX reported AGAIN a Chase Bank hard inquiry. I am really tired of doing this every time in fact is my intention to sue Chase Bank if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I have submitted numerous disputes directly with the credit bureaus and the original creditor XXXX XXXX XXXX XXXX XXXX In addition, I have submitted complaints and received frivolous responses from the creditor. I specifically have been requesting validation of the debt including a copy of a signed contract and complete accounting of the debt mentioned. In the last communication sent from the creditor mentioned that the account is being serviced by a collection agency Weltman , Weinberg & Reis Co. This creditor is not reporting on my credit reports therefore I am unable to dispute these accounts electronically. As a remedy, I contacted them promptly by phone and left messages with XXXX XXXX whom the operator stated is the account manager for this XXXX account. In addition, I have emailed customer support and still have not received a response with validation of debt.
Consumer complaint received 2024-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

MOHELA initiated a pause on student loan payments last fall from XXXX to XXXX, with payments resuming in XXXX. They failed to notify me that my account would be placed in forbearance during this time, until XXXX when payments were set to resume. Within that communication, it stated that all payments made during those months would count towards my PSLF payment count. They failed to count XXXX 's payment. It has only now been corrected. This has been an ongoing problem with them. They have failed to notify me on the changes to my account within a timely manner, and have been miss counting my PSLF payments.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2023-07-12
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. (UT)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2017-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

This complaint is related to a Bank of America credit card that I paid in full according to the latest stament received. I just received a statement for an additional {$100.00} of interests out of nowhere because I had paid the outstanding balance in full. I don'nt understand how interest are accrued out of a {$0.00} balance.