davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I created a Venmo account back in XXXX to pay a vendor and had XXXX issues. I havent used Venmo since. On XX/XX/XXXX a friend paid me for something I sold him. The transaction was for XXXX. Once it arrived in my account I was not able to transfer it to my XXXX  XXXX account. I have tried using the customer service email to get response and resolution. After multiple waits of over XXXX hrs in response time of over XXXX different email exchanges, I was told that there was another account under my name with a debt. I have explained multiple times that I do not have another account and only use XXXX normally for my transactions. The customer service person told me that it didnt matter and until I was able to log in and settle a supposed debt, they wouldnt release my other funds. I politely asked for a screenshot or some sort of proof of this owed debt in which the XXXX  rep told me, I can not provide it but we know that it is the same person. I have all of this via email in XXXX and XXXX of them providing zero information and telling me that I need to figure it out on my own. I have XXXX access to any other account and they have and will provide XXXX help regarding this matter. I am XXXX XXXX XXXX  out trying to get a resolution and hoping that opening this complaint will help.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-18
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (MN)

This is concerning I Q Data international and their employee, XXXX. I noted XXXX XXXX bias position and pointed it out, because I did not get a chance to make my plea or give my side of the argument ( the property in question is XXXX XXXX apartment in XXXX, GA, ) and he was contentious from throughout. i pointed out that fact and how i felt about it, and XXXX told me, well, youre the one who needs an apartment, implying that im screwed or something. 
i thought about leaving it there, but i had to make sure that he was actually implying that, and that he was purposely being flagrant about it, so i made it obvious that i needed his name ( still, hoping that im probably taking it the wrong way. XXXX did not care. he stood behind his condescending comment and doubled down. i called and was told that doing this complaint online was the fastest way to get a response ; i am sincerely hoping that its true. i wont stop until someone explain to me why i had to be treated in such a belittling manner. 
last, but not least, i was never noticed. i have XXXX XXXX XXXX XXXX XXXX yet nothing came from IQ data international to my mailbox. not one mail.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

LexisNexis verified a bankruptcy on my credit report, and they claimed that the bankruptcy court verified the account. When I ask the courts, they responded saying that they do not provide any information to the credit bureaus. 15 USC 1681b states that CRA credit reporting agency has to have permissible purpose. In accordance with the written instructions of the consumer to whom it relates. Knowing that I asked them for a copy of the permissible purpose written document. I also sent them a copy an Affidavit of Fact notarized stating I did not give them permission to my private information. I also asked them to remove this erroneous inaccurate unverifiable information.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires reported was fraud, said company has 4 days according to LAW to remove all such items. XXXX is now requesting Experian to provide all documentations used to determine inquiry was indeed authorized by the consumer. Experian has 15 days to provide me with the name of the person they spoke to, documentation used, signed application with the consumer we ink signature, consumer is NOT asking for and XXXX XXXX. If Experian does not have documentation to show these were in the fact authorized it must be removed ASAP. Said the company is liable under the SEC to follow certain rules. I will be filing a XXXXXXXX XXXX XXXX form to audit consumers account. Experian is securitizing consumer a copy of their CONSUMER FILE AND NOT CONSUMER REPORT. 
Per 15USC Code1692g- is a violation FCRA section ( a ) ( 3 ) - a file was open without my permission or consent
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA is a legacy bank, and I added XXXX of my XXXX children to my family group, my XXXX oldest had also served and I didn't feel that they needed to be added. After changing banking practices last year, I made several complaints against USAA. When I uploaded my marriage certificate in XXXX, I requested new USAA cards reflecting my legal last name. They were finally mailed out two days ago, and may make my rent, electric, internet, and other bills tied to cards late. I tried setting up an account for my spouse, and after verifying everything, was told that they could not add him because one of the people on my list of family members needed to call them. They did not request this for when I added my ex husband, and did not request this for when I opened my son 's account. We called two more times, and were told that their computers were having issues. I don't really believe that last excuse, as I told the first person that I spoke with that I guess that I probably should send my direct deposit to XXXX XXXX. I believe the other two people just did not want to deal with it.
Consumer complaint received 2024-05-10
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)

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history.

I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (TX)

I have been trying to close my XXXX account for weeks, as they made all customer subscribe to their Genius subscription for {$14.00} a month. I transferred out the {$1.00} in my savings account with them, which they delayed over a week and refused to cancel my account until the transfer was finished. 

Finally I could close my account, but they charged me {$14.00} on XX/XX/23. Their business practices are shady, and they force customers to use their app to be able to contact customer service. I want my money back from them, as I don't even want to use their service. They made me jump through so many hoops to close my account, and still charged me after I finally closed my account.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-10
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. (FL)

I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Experian credit bureau has failed to take appropriate action and continues to report them. 

I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I reviewed Experian credit report and found that a bankruptcy filled in XXXX is still listed on my report. This should have been removed XXXX years ago ( XXXX years after filing ). I sent e-mail on XX/XX/XXXX to have removed immediately. I confirmed with their third party vendor that handles public record information that it is no longer active. Yet I received an e-mail from XXXX XXXX this morning indicating they can not view reports via e-mail. I requested that they remove inaccurate information immediately.
Consumer complaint received 2023-11-06
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. (OH)

In accordance with the Fair credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I moved out of a rental house in Washington DC in XXXX. Prior to moving I had signed up for XXXX XXXX and had paid the monthly bill. The roommates remaining at the residence wanted to continue the service. Prior to moving I called XXXX with one of the remaining roommates and requested they remove me from the account and add her to the account. XXXX confirmed this would be done. 

From XXXX through the beginning of XXXX I received no communications from XXXX regarding this account, which had been current when I left the residence. At the start of XX/XX/XXXX I began receiving collection notices from XXXX stating that I owed an unspecified amount on the XXXX account. 

I repeatedly requested any verification of the debt, and requested that XXXX communicate with me in writing. To date I have not received verification of the alleged debt, and XXXX has continued to call me in relation to the alleged debt, with the most recent phone call coming on XX/XX/XXXX. 

On or about XX/XX/XXXX, XXXX reported to the credit agencies that I owed an unpaid balance of {$4500.00} on the account. I disputed this report with all three credit agencies. All closed my complaints with no change to my credit report, and did not provide any information to me from XXXX, nor request any additional information from me.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

I was alerted by a reputable credit lender of a change to my credit report on XXXX, XXXX. Upon checking I was shown a new lender was opened in my name that was not authorized. I then used XXXX to see what steps were needing in reporting identiy theft. I was directed to filing with the FTC and following their guidlines of reporting a credit freeze and fraud alert to each credit bureau, disputing the account in question, contacting the police to make a report, contacting my personal bank to have them on alert and contacting the fraudulent account that was opened in my name and asking them to close the account down. 

The company was NOT helpful in anyway, they have multiple numbers one which is listed for creditors that goes to a solicitation. They were accusatory and stated many times, even though this account was opened in my name with my information, no information would be given because " I '' was not the person who opened the account. I was given many phone numbers to call and finally was told the account was closed but they would not give me any information about what address, phone numbers, or usage were attached to the account.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it May concern. I have a credit card with the XXXX company and they are reporting my credit incorrectly, they reported me a late payment. I have made all my payments on time. This is seriously affecting my credit report. Please request that you remove this late payment from my account.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Ive filed numerous claims via Wells Fargo and they have given me the absolute runaround through their customer services departments. 

On XX/XX/24 Wells Fargo denied my claims against me for XXXX dollars amounts of {$440.00} and {$170.00} which I was defrauded out of me by an independent merchant. I filed a claim within the time frame in hopes to get my money back. On XX/XX/24 Wells Fargo credited me {$440.00} and {$170.00} while they conduct there investigation. 

They recently made correspondence on XX/XX/24 with me saying theyve denied my claims for two separate reasons. For the dollar amount of {$170.00} they denied it for reasons transactions were authorized or that a processor error did not occur. As a result, on XX/XX/24 we will deduct the provisional credit of {$170.00} previously provided to you. For the claim of {$440.00} they used the excuse because we did not receive the information we requested from you, we based our decision on the information available. We have determined the transaction was authorized or that a processing error did not occur. As a result on XX/XX/24 we will deduct the provisional credit of {$440.00} previously provided to you. This is a clear indication that Wells Fargo did NOT die there due diligence and properly investigate my claims because on XX/XX/24 I specifically sent them a letter on my claim via email ( which I will attach below ). Not only that, there and mine call records show that I called them on XX/XX/24 and was sitting on the phone with them for numerous hours giving them a backstory of the money i was defrauded out of ( Which I will attach proof of below. ) Wells Fargo willingly and knowingly lied about not receiving information about the {$440.00} because I sent it to them via email AND sat with them for XXXX mins explaining my situation. Wells Fargo has sunk me negative XXXX dollars with little odds of me financially recovering from as I live paycheck to paycheck. Its imperative I receive this money back to survive.
Consumer complaint received 2024-06-04
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. (PA)

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Account Balance : {$4200.00} Account Name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : {$6800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Account Balance : {$70.00} Account Name : XXXX XXXX XXXX Account Open : XX/XX/XXXX Account Balance : {$120.00} Hard Inquiries XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-06-15
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX I sent XXXX, Transunion and XXXX dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all three items from my report. I never received remedy for the damages.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

This company is showing an old chargeoff on all of my credit reports. it has been giving me a hard time since i have been trying to obtain a car so i can get to and from work. i am in a completely different financial situation since my college days and i believe it is unfair for them to still be reporting this old information that is not reflective of who i cam as an adult. I need this account removed IMMEDIATELY since it has been having an effect on my life for a very long time now and i am tired of it. please help me CFPB can not take this any longer.