davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Filed dispute secondary to identify theft/someone elses mixed accounts with my account by Transunion. Trans Union failed to investigate. Filed FTC report on accounts : XXXX. XXXX  reporting XXXX accounts Since they have a completely different name and Social Security number XXXX. XXXX XXXX XXXX XXXX XXXX they have a completely different name and Social Security number XXXX. XXXX XXXX XXXXXXXX. States they have a completely different name and Social Security number These are fraudulent accounts and Not only did Trans Union fail to investigate but they allowed these to be illegally reported and remain on my credit bureau even after Error and Identity Theft had been established by them.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> I deposited a check in my Wells Fargo Business checking account for {$29000.00}. This was a check from my XXXX XXXX XXXXXXXX checking account. So I can see the the account activity and withdraw from the XXXXXXXX XXXX  Account on XX/XX/year>. On XX/XX/year> I received a letter from Wells Fargo saying that the funds from the check were being held until at least XX/XX/year> do to insufficient funds at the time of inquiry or XX/XX/year> or the day that Wells Fargo withdrew the find form XXXX XXXX. The fund can not be insufficient and still withdrawn. 

Wells Fargo is fraudulently withholding funds for 10 days for a fraudulent reason. If they do that to just a small percentage of customers, they are making millions off of customers. 

I tried to get help on the phone and at my local brand and they would not explain their actions. I have all documentations for proof of my complaint. This is 100 % fraud by Wells Fargo. The XXXX XXXX XXXX manger confirmed my claim as well.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (IA)

I applied for a loam from this company, I got approved for {$920.00} it was deposited and they upped the interest I believe it was like 235 % and so instead of owing {$920.00}, I owe them little over {$5000.00} because of the interest, I asked them about it and they said that I don't need to worry about it and just worry about the {$920.00}. I have paid them little over {$3000.00} back and I just wanted to see what you guys think ; because this doesn't seem right at all to me.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I applied for a Synchrony Bank CareCredit card after pre-approving with them. They denied the request and sent XXXX denial letters, XXXX with an incorrect score and the other with incorrect reasons for an adverse score. Despite the pre-approval they denied my request and refused to provide a denial reason over the phone and then included incorrect information in their denial letters.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (MO)

On XX/XX/XXXX I noted on my credit that there was a credit card reporting huge balance on my credit file. I called all the 3 major credit bureaus and they confirmed that there was an acxount in my name. I did a follow-up up & more research. I found out that a brother of my girlfriend who.was living with us was behind this fraud. I confronted him with the information & evidence from one of the phone he was using under my name. He admitted to doing it blaming on his XXXX but promised to pay the who account in full. He begged me not to.report this to police because he did not want to go back to XXXX I talked to discover about making a payment until everything was cleared while the account was closed. He started paying it in installment & I started making the payments. Unfortunately due to his XXXX complications he died on XX/XX/XXXX. I questioned why he was able to open an account in my name yet I have remarks added in all the 3 credit bureaus saying not to extend credit without first contacting me & I have provided my phone number. Discover never contacted me before opening this account
Consumer complaint received 2024-06-22
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. (VA)

I am a victim of identity theft which has now caused me to have to mail in my taxes with a identity protection pin and there have been multiple accounts that has been opened in my name and i have not given any authorization to open any accounts on my behalf my information was also exposed on the experian and XXXX data breach. The accounts that need to be deleted is XXXX XXXX XXXX XXXX. the total amout they were asking me to pay was {$2300.00} There are 2 accounts that i have not opened and this is causing me a lot of stress i need this information to be deleted from MY CREDIT PROFILE.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2024, I sent a debt validation letter to XXXX XXXX XXXX regarding an account ending in XXXX, with a balance of {$37000.00}, originally from XXXX XXXX  XXXX To date, they have not validated this debt. Despite my dispute, Equifax continues to report this debt as accurate. I request XXXX XXXX XXXX to cease all collection activities and report the debt as " Paid in Full, On Time '' to all credit reporting agencies. Additionally, I request Equifax to update my credit report accordingly and to notify any company that accessed my credit report within the specified timeframes.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing an incorrect entry on my TransUnion credit report for a XXXXXXXX XXXX  account. Despite settling this debt as confirmed by the attached settlement letter dated XX/XX/year>, TransUnion has not updated my report. The debt is incorrectly marked as a charge-off with a balance of {$19000.00}. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I request the removal of this erroneous charge-off status and an update to reflect the settled status of this account. Proof of payments from FDR, a debt negotiator regulated by the CFPB, is attached along with the settlement letter.
Consumer complaint received 2019-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I sold a XXXX XXXX watch on XXXX ( item # XXXX ) on XX/XX/2019. I received payment in the amount of {$7100.00} from XXXX XXXX ( XXXX user XXXX ) on XX/XX/2019 via PayPal ( transaction ID XXXX ). 
Subsequently, on XX/XX/2019, Mr. XXXX contacted his financial institution to reverse the charges, indicating the " item was not as described. '' A dispute was opened up on PayPal ( Case ID : XXXX ). I provided XXXX tracking information ( tracking # XXXX ) to indicate the item was received. No complain or correspondence was received from Mr. XXXX. Mr. XXXX did not initiate the dispute on XXXX, nor PayPal. Mr. XXXX essentially bypassed the controls set in place for dispute resolution. 
Mr. XXXX 's financial institution reversed the charges, without requiring Mr. XXXX to return the merchandise. PayPal subsequently billed me for {$7100.00} charged by Mr. XXXX financial institution, without receiving the merchandise in return and has indicated there is nothing they can do to get it back.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I ASK EXPERIAN TO UPDATE MY ADDRESS TO THE CURRENT ADDRESS THAT SHOWS ON MY BANK STATEMENT NO OLD ADDRESS ONLY ONE ADRESS ONLY THEY REDUSED TO UPDATE MY CREDIT REPORT IN THE CONSUMER LAW RIGHTS MY CREDIT REPORT POST TO BE ACCURATE AND COMPLETE THAT IS A VIOLATION THERE ARE TWO ADDRESS DON'T B TO BE ELONGS ON MY REPORT NEEDS TO BE REMOVE ALSO ON THE CONSUMER FAIR LAW ACT AND A CREDIT REPORT NEED TO BE ACCURATE AND COMPLETE IM UPLOADING A COPY OF THE MOST RECENT CREDIT REPORT T ASK THEM TO UPDATE THIS ADDRESS IN XXXX AND THEY DIDNT IT BEEN OVER 40 DAYS THAT IS ALSO A VIOLATION UNDER MY CONSUMER LAW RIGHTS
Consumer complaint received 2024-06-22
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. (WA)

I am writing to dispute inaccurate information that appears on my credit report. Please find below the detailed account of the inaccuracies and the relevant supporting information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MN)

By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete. 
looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

CFPB, Within a couple of weeks of me mailing out dispute letters, it is very common for us consumers to receive back correspondence from the credit bureaus relating to my disputes. 
In many cases this correspondence isnt the results of my disputes, but other letters mailed to me by Equifax Credit bureau that reference things like requesting client identification or to alert me that some type of possible fraud is occurring due to my disputes. 
These letters are commonly called stall tactics in the credit dispute industry because, they are only intended to frustrate and confuse me and stall the dispute process. CFPB, I received a total of 10 stall letters
Consumer complaint received 2023-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

To whom it may concern : I have not received any communications, but received an alert from my online credit monitoring that I had a negative item hit my report. I looked into this and it was from a JEFFERSON CAPITAL SYSTEM, and it referenced an original creditor of XXXX XXXX XXXX XXXX, and it appears that it says it was opened with JEFFERSON CAPITAL SYSTEM in XX/XX/XXXX per my monitoring credit report. I never opened any account with that original creditor nor received any response from this collection agency when I mailed a letter on XXXX, XXXX as I had limited information. I did not call because I hear the horror stories of collection agencies and not going to be abused for something to upset my XXXX XXXX. I have never had any accounts or balances near what is being on there, and I assume the XXXX reference is that online bill services. I have never used them.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc. (IN)

This company has no information on how a {$650.00} credit card is now in collections for {$1100.00}. I offered a {$700.00} settlement, which the company responded with an almost {$1000.00} counter settlement.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX last four digit SS # XXXX todays date XXXX I reviewed my Consumer reports and made a dispute XXXX. 

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 100 % on time thank you I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ASKED FOR PROPER INVESTIGATION TO BE DONE AND PROOF TO BE PROVIDED ON THE PROCEDURE OF INVESTIGATION AND RESULTS. 
SINCE PROOF CANT be provided I DEMAND these payments be updated to on time as they should be as I was NEVER Late. 
P.s This is holding me back from getting a new job, and a NEW HOME FOR MY FAMILY Thanks, XXXX XXXX XXXX XXXX XXXX COMPANIES ARE IN VIOLATION OF FAIR CARES ACT LAW USC 1666b timing of paymentsUSC 1681i procedure in case of disputed accuracy USC 1341 frauds and swindles USC USC 1692e false or misleading representation
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

Dear I am writing to dispute the incorrect information that is listed on my credit report. According to the Fair Credit Reporting Act, Section 611, I have the right to dispute any inaccuracies in my credit report. It is my belief that this information is incorrect and is harming my credit score.

The following information is inaccurate : REGIONAL ACCEPTANCE CORP Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$15000.00} Highest balance - Terms 74 Months On record until XX/XX/XXXX I would appreciate it if you could investigate the matter and correct the information on my credit report as soon as possible. Please send me a copy of the corrected report once it is updated. 

Thank you for your time and assistance in this matter. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CL Holdings LLC (GA)

XXXX XXXX as for a purchase agreement to validate the account no respond XX/XX/XXXX XXXX ask for a purchase agreement to validate the account no respond XX/XX/XXXX XXXX purchased agreement to validate the account no respond
Consumer complaint received 2024-06-22
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. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc. (MA)

I have tried since 2022 to get this fixed ns the issue worsten I was requesting to get an account removed but since I talked to these agencies my life has gone to XXXX, after I called I started to get harrasing calls mail and other information stating I oed them monry I explained over the phone and written that it was not me however they said accurate I need help you are my last hope!!!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

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 the following unauthorized accounts and inquiries :
Consumer complaint received 2024-07-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I made a purchase on XXXX with an Amex prepaid card. 

There was a pending transaction on the Amex card in the amount of {$0.00} posted on XX/XX/XXXX - this transaction was a test transaction to verify the card before the actual transaction was to be processed. 

XXXX reported that the card was declined by American Express and they had no further information. I called American Express on XX/XX/XXXX to find out why the transaction was declined and they refused to provide any further information. When I confirmed the XXXX transaction was legitimate, Amex still refused to process it or provide any further information. They then immediately removed the pending transaction of {$0.00} to remove any evidence of a transaction. 

Gathering from online research, apparently there have many instances of Amex prepaid card owners not being able to redeem it on XXXX, despite the fact that XXXX processes transactions on the American Express network. One of the customer service agents from Amex said that XXXX may have been added to a " banned list '', in order to prevent owners of the card from using their funds on XXXX. 

By adding merchants to banned lists, Amex is making it increasingly difficult for owners of these cards to use their funds, which financially benefits Amex in that they retain a higher balance at the expense of consumers not being able to use their funds.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

My wife and I are applying for a loan. Our lender was unable to pull the Tri-report because Equifax has both my wife and my current and previous addresses incorrectly annotated. The other two bureaus report our information correctly. 

We were advised by Equifax to provide documents, to which we did - via both fax and overnight delivery. one option NOT available to us is via faster encrypted email. We were told the issue would be resolved in 3-5 business days for the documents to be reflected on our credit file, but we would only be notified IN WRITING and via the post office that may take up to 30 days! With today 's modern technology, how can they not immediately email/text us responses that our information has been updated to prompt us to check our files? 

My wife has called Equifax daily, every business day, since XX/XX/2019. As of XX/XX/2019, we were informed by Equifax personnel that her information has not even been received by the bureau. Our queries as to whether or not the fax/mail was received only prompted scripted responses, which of course were of no value, only that we would receive written and mail responses within 30 days as to when they do correct errors that they created. 

We would like the ability to purchase our home but, when dealing with an organization whose business model is based upon data accuracy - and the absolute protection of that data - we can not move forward with a loan because a company has poor business practices. These insufficient business practices include both data accuracy and customer service related to the correction of data errors ( which, incidentally, were created by the business and not the customer ). 

We can not wait the 30 days for a letter in the mail to confirm that our addresses have been updated, nor should be wait beyond the 3-5 business days claimed by Equifax to only be told they have not received our information.

**point of clarity - I am writing on behalf of the issues pertaining to my wife. I too have errors just recently discovered, but I have only recently given Equifax my updated information. Therefore, I can not in good faith claim faulty services on my behalf ... yet.