davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

Dear Sir/Madam, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023. While I did provide consent for the inquiry in question to get a car, I have reason to believe that I did not benefit from this inquiry as outlined by the Uniform Commercial Code ( UCC ) as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. 
As a consumer, I understand that the UCC protects my rights during commercial transactions, including credit reporting. According to the UCC, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the UCC. 
I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the UCC requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.
Consumer complaint received 2023-08-08
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. (MD)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MD)

Venmo suspended my account asking for verification of my identity. I sent my ID on XX/XX/2023 and was advised my account would be available again within three business days. It is now XX/XX/2023 and Venmo has now advised me that it will be 7-10 business days to review my account. I am a low income single parent in XXXX XXXX. I need that money to pay for food and transportation for myself and my child. Venmo refuses to escalate this matter which has put me in a terrible predicament. I dont have any money for food.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX, I am a Paypal user with email address XXXX I was using my PayPal account very well before Paypal decided to put a restrictions on it and asked me to provide the necessary documents for them to unblock my account.

I successfully provided these information and PayPal said they would review my information and unlock my account within XXXX business day ; but unfortunately it is more than XXXX weeks and PayPal has not resolved my issue.

The account impact of this issue has really affected me.

I would want PayPal to resolve my issue
Consumer complaint received 2023-04-27
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. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-08-31
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 would like for all the incorrect information to be removed from my credit report because I did not authorize nor did I open those accounts.XXXX XXXX  needs to be removed in the balance of XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXXXXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX XXXX with a balance of XXXX dollars needs to be removed from my credit that was opened on XX/XX/XXXX that's not my car, and XXXX XXXX needs to be removed. I would like all the inquiries removed because I did not open those accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX don't belong to me. I would like my name spelled correctly along with the correct address.
Consumer complaint received 2024-03-24
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-01-05
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. (MO)

Literally within seconds Experian closed another while still working on another complaint, THIS IS CRIMINAL because how can you closed complaints while working on others and THERE THE SAME EXACT ISSUE now you truly can se its a computer sending these because there responses are completely idiotic AND HAVE ABSOLUTELY NOTHING TO DO WITH THE PROBLEM
Consumer complaint received 2024-01-05
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. (MO)

Notification there still working on the issue as all the others THEY ARE DOIN NOTHING so as of today all complaints that are filed will be forwarded to THE DEPARTMENT OF JUSTICE fraud division
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC. (VA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : ECMC Account Number : XXXX Date : XX/XX/0001 Amount : {$4600.00}
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

The company XXXX XXXX XXXX XXXXis in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (SC)

I leased a vehicle from American Car Sales in XXXX, SC, in XXXX of 2023. Within the week that I signed the lease, American Car Sales and its affiliated XXXX XXXX closed. I was notified that Westlake Portfolio Management had assumed the contract. I have been trying since then to obtain a vehicle license for the car so that it can be legally driven. Westlake has failed to provide the necessary documentation to the South Carolina Department of Motor Vehicles to have a vehicle license issued. I filed a complaint with the SCDMV and after they looked into it, found that there was no title for the car that I leased. Even if I paid cash for the car, I could not get it registered, nor could I obtain a title. On more than one occasion, I have told Westlake to pick up the car. In one instance, the customer service person asked why they should have to pay to come get the car. I stopped making payments due to not being able to legally drive the car. Westlake now has derogatory information on my credit report. When I have asked the customer service reps for a number for the corporate office of Westlake, I have been refused the information. I am willing to return the car, but believe that due to the fact that the car was leased without a title, and Westlake can not provide the title in order to obtain a vehicle license, the contract should be voided and derogatory information removed from my credit report.
Consumer complaint received 2024-01-05
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. (MO)

With in seconds of each other Experian closes one complaint while working on another which both HAVE THE SAME PROBLEM WHICH YOU REFUSE TO FIX UNLESS I PAY YOU, EXTORTION, EXTORTION, EXTORTION
Consumer complaint received 2024-03-24
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. (MO)

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX around XXXXXXXX XXXX, I received an email regarding an {$80.00} XXXX transfer that I did not initiate. Following the instructions in the email, I immediately contacted the XXXX number provided as it suggested for any unauthorized transactions. During this call, I was informed that a new XXXX  email had been added to my XXXX account and used for the unauthorized transfer. Furthermore, a new recipient was also added to my XXXX account without my authorization. The representative I spoke with took prompt action by removing the unauthorized recipient and email associated with the transfer. They also provided me with a XXXX number to call the following day to update my online credentials, since that department had closed for the day. 
The subsequent day, I contacted the provided number and received assistance in changing my username and password. Additionally, the agent facilitated the closure of my account and transferred the remaining balance to a new account. They advised me to scan my phone before logging back in with the new credentials, ensuring added security measures. 
Prior to these incidents, I received a voicemail on XX/XX/XXXX, urging me to contact the Wells Fargo Fraud Prevention center at XXXX and reference case number they left in the voicemail. Upon doing so, I was notified of unusual logins from locations outside my usual area of activity, such as California and XXXX. Additionally, verification of personal information regarding a recently opened checking account was requested. Once verified, I was assured that my account would not be closed. The agent also assisted in updating my online credentials as a precautionary measure. 
In summary, I am unfamiliar with the recipient to whom the {$80.00} was transferred. Moreover, I did not authorize the addition of XXXX email to my XXXX account for the transaction in question. I kindly request that the funds be returned to my account, as this transfer was unauthorized. 
I sincerely appreciate your prompt attention to this matter and the assistance in rectifying this situation.
Consumer complaint received 2023-11-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

Credit Collection Agency, Columbia Debt Recovery, reported a debt of {$260.00}. The original creditor is XXXX XXXX XXXX. The date reported was XX/XX/2023. I never resided at XXXX XXXX XXXX. Called XXXX XXXX XXXX and provided personal information. XXXX XXXX XXXX informed me they do not have any previous account that matches my information. Contacted Columbia Debt Recovery and was guided to file a police report for fraud.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (NC)

My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and was informed that my public records were preventing me from being approved. I have no affiliation or knowledge of these properties being placed on my credit profile. After researching I've requested account verification from listed agencies, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts to my public records without my knowledge and consent are violating 15 USC 1681. I've previous contacted these agencies : XXXX XXXX, CoreLogic, XXXX  XXXX, XXXX XXXX, and XXXX requesting that accounts from these properties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I applied to XXXX in XXXX and provided necessary documentation in XXXX. I have not heard back about my application, so in XXXX I called Nelnet. I waited XXXX hours to speak to a representative and they said they are " processing '' my application. Nelnet told me they were " processing '' my applciation a week prior as well and it's been well over a month that it has been " processing ''. 

The representative also let me know my account is in forbearance and I would not have to make a payment in XXXX but that is not reflected in my account and an auto payment was made in XXXX. 

I don't believe it should take 3 months to " process '' an application, I should have a response by now.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Requested an investigation with a dispute I sent on XXXX/XXXX/2024. I wrote to transunion to have some inquiries investigated an removed.They are not mine. I already contacted the company and they said I needed to get in touch with the credit bureau. Im stressed because I did not give that company permission to run my credit. The inquiries were not authorized and Transunion never responded.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I found inaccurate information in PORTFOLIO RECOVERY. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On Tuesday, XX/XX/XXXX, around noon, I deposited two cashier checks representing a substantial amount of money at the Truist Bank, XXXX branch. The teller placed a 10 day hold on my funds. However, I checked the payor bank and realized that they paid Truist on XX/XX/XXXX around XXXX XXXX  Eastern time. Truist is refusing to make my money available to me in violation of Regulations CC 229.10 Next-day availability. 

( v ) A cashier 's, certified, or teller 's check deposited ( A ) In an account held by a payee of the check ; ( B ) In person to an employee of the depositary bank ; and ( C ) With a special deposit slip or deposit envelope, if such slip or envelope is required by the depositary bank under paragraph ( c ) ( 3 ) of this section.