davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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. (IN)

XXXX XXXX XXXX XXXX and XXXX has failed to resolve the investigation, I have requested debt validation and they have not provided yet they responded to the compliant I placed in this portal as unable to resolve so since they are usable to resolve or investigate, I demand that they remove their information from my credit file as this doesn't to belong to me!! 
information on the loan statements shows a name that is not my name it shows ( XXXX XXXX ) please remove immediately!!! from my credit report.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I received 2 letters from Wells Fargo dated XX/XX/XXXX stating that I was enrolled in the Identity Theft Protection -Affinion product and to contact them if the enrollment wasnt authorized by me. I called them on XX/XX/XXXX to say I had not authorized the enrollment. There were two separate enrollments at two different times. The representative said that a check in the amount of {$3100.00} and another check in the amount of {$62.00} would be sent and to call them if I hadnt received the checks in 30 days. XX/XX/XXXX, I called to say I hadnt received the checks. They said the checks had been processed on XX/XX/XXXX and to call if I hadnt received them in 30 days from that date. So I called again and spoke with multiple people. They now say that the checks are being processed but they dont know when the checks will be generated or when Ill receive them. There have been multiple conversations totalling hours on the phone. Initially, it would be 30 days to receive the checks. Now they have no idea when Ill receive them.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the XXXX  days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-08-07
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-27
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$4500.00}, {$6100.00}, {$10000.00}, {$15000.00}, {$9100.00}, {$52.00}.

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 finance and 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNT- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account.

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

-PERSONAL ACCOUNTS- 7. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on APR XXXX, XXXX with a credit limit of {$9100.00} -This is not my account. 

-COLLECTION ACCOUNT- 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$52.00} -This is not my account.
Consumer complaint received 2024-01-11
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC. (TX)

When attending XXXXXXXX XXXX XXXX XXXX XXXX during XXXX, private loans were taken out using my information but were never disbursed to my account and I did not receive the funds. A online application was completed with no proof of my knowledge. During these years there were allegations of school misconduct with the financial aide department and misleading funds and I was a victim of such. 

After graduation, I was held responsible for these loans, and I have been on a constant fight in reference to getting the loans removed through Navient. Navient refuses to remove the debit even though they have no documents to support, I actually received the loan. 

When contacting XXXXXXXX XXXX XXXX XXXX XXXX, I am told they do not have any physical or online financial documents from those years due to a software system merger with XXXX XXXX XXXX XXXX XXXX and they are unable to provide my balance sheets or any financial aid documents. 

The loans are through Navient and are as such : XXXX Signature Loan XX/XX/XXXX | Originally {$40000.00} XXXX XXXXXXXX Loan XX/XX/XXXX | Originally {$9300.00} XXXX  XXXX XXXX XX/XX/XXXX | Originally {$4100.00}
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (UT)

I am writing to express my deep dissatisfaction and concern regarding the unjust and unwarranted suspension of my PayPal account. I have been a loyal and responsible PayPal user for [ number of years ], using the platform for various transactions, including selling items on XXXX, completing art commissions, receiving payments from friends, and conducting business with local mom and pop shops. 

Recently, my account was suspended without prior warning or a clear explanation of the reasons behind the suspension. I have always adhered to PayPal 's terms of service and have not engaged in any fraudulent or abusive activities. The only recent incident that I can identify is a transaction intended for an associated individual who helps me manage my commissions. Unfortunately, this individual filed a refund, leading to the closure of my account. 

I am fully committed to resolving any concerns related to that particular transaction promptly and fairly. However, the drastic measure taken by PayPal to suspend my account without proper investigation or communication is highly unjust. This abrupt suspension has disrupted my ability to engage in legitimate transactions and has had a significant impact on my personal and business activities. 

I have attempted to contact PayPal 's customer support for clarification and resolution, but the responses have been unhelpful and vague. The lack of transparency in their decision-making process and the absence of a clear appeals process have left me frustrated and helpless. 

Whats the matter is that whoever mess with my account took out money from my bank of a total of {$160.00}, and been using my account without my prior knowledge, I end up having XXXX cases on Paypal that I was unaware about, I called customer service to ask what this was about. But then I ended up getting permanently banned and the scammer took my bank number under my nose, as well as having a negative XXXX of XXXX dollars. Paypal never emailed me this information, this was something I had to find out on my own.
Consumer complaint received 2023-08-07
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Propel, Inc. (MI)

Hey my money was stolen off my providers card due to somebody having my card information mind you it was my SSI check that was stolen almost {$850.00} was stolen from me they telling me I cant get my account number when Im trying to get it just so I can tell social security administration the right stuff they asking for my account number and I dont know it to change it I tell them do a claim they did it wrong then tried to deny me and close my account I keep calling in asking can I get my account number can I speak to a supervisor and they bounce me around then tell me they cant tell me anything about my account and why they closed it I need my money back ASAP or my account opened back up ASAP
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit Acceptance Corporation is fraudulent. The vehicle was repossessed. The vehicle was in my deceased husbands name. I am not responsible for this fraudulent loan. My late husband, XXXX XXXX was responsible for this loan. The vehicle had been repossessed but it constantly updating every month on my credit file. Please remove this fraudulent information from my credit file or I will seek legal actions. With my income, being that Im XXXX, I couldnt possibly afford a vehicle at that price.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint personally. After reviewing my credit record, I found late payments present. Despite sending letters over XXXX  days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

This debt collector employed abusive, deceptive and unfair practices, violating the FDCPA. This company also engaged in aggressive phone calls, making multiple calls a day before XXXX and after XXXX, which can be proven with phone records. They reported an account we did not agree upon, and I did not sign any agreement. A legal contract involves two parties, and I was not a part of it. Moreover, they neglected the proper 5-step validation procedure, constituting an unfair practice. According to the FDCPA, I am entitled to {$1000.00} compensation per violation, and its clear they infringed on my rights.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2018-11-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

Fee 's changed from last Loan Estimate disclosed to the Final Closing Disclosure at closing. I addressed this with my loan officer and processor but processor was rude and not very unresponsive and Loan Officer told me the fee 's where re-disclosed to us but they were not. 
Last LE disclosed to us on XXXX had : Final Inspection of {$100.00} in B section, Lender Credit of {$290.00}. 
Final CD at closing on XX/XX/XXXX had : An a .03 % charge for points in the amount of {$39.00}, Final Inspection charge was {$150.00}, Lender Credit of {$50.00}. 
Rate lock had to be extended because the processor did not work on the loan in an efficient time with the date we were supposed to close ( XX/XX/XXXX ). The loan officer told us she could do a free 10 day rate lock extension, that did not happen. Whenever they wanted any documents we would send them right away, so we were not the problem with the hold up for settlement and rate should not have needed to be extended if the bank would have done their job. Title was done, we had insurance, all we were waiting for was the bank. We had the worst experience and would not recommend this bank to anyone.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is in breach of their own card member service agreement during my XX/XX/2023 statement cycle. 
I accidentally took out a XXXX XXXX. for XXXX on XXXX. I made a payment for {$100.00} on XX/XX/ on XX/XX/ I then made another payment for XXXX  on XX/XX/XXXXXXXX  I then made another payment for {$1300.00}. 
During this time I was a card promotional period where I was being charge 0 % interest until XXXX XXXX 
Well Fargo did not apply any of my payments towards the XXXX XXXX but instead applied the payments towards the purchases which were at 0 % interest. the following month they changed the amount of my XXXX XXXX balance to {$1500.00} when I did not take another advances they continue to assess fees and interest. 

according to their own cardmember agreement that states that How do we apply your payments? 
Minimum Payment Generally, we process your minimum payment in the following order : Lower APR balances ( such as Purchases ) Higher APR balances ( such as XXXX XXXX  ) Amounts in Excess of the Minimum Payment If you pay more than your required minimum payment, generally we apply the excess first to the higher APR balances and then to lower ones.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IN)

XXXX XX/XX/XXXX I reported a fraudulent charge for an XXXX  subscription on my VISA credit card to XXXX XXXXComenity/Bread Financial . They took care of the fraudulent charge and issued a new card and number. 
XXXX XX/XX/XXXX the fraudulent charge happened again. Exactly as explained above. The CSR that I spoke to at Comenity told me that thats just the way a reoccurring charge works. I asked how could a reoccurring charge happen again when all credit cards were canceled and re-issued with new numbers. She explained to me that is how she experiences these things. I explained to her that if I miss a letter or number on any credit purchase the system kicks it back and wont let me complete the purchase. 
Which person is correct? Myself or Comenity Bank CSR. 
I have had too many fraudulent charges, canceled cards, re-issued cards through Visa, XXXX XXXX Comenity, and Bread Financial. Something is going on within one of those companies, and each points me towards the other. it seems to me that I have been contacting the fraud department at Comenity every time. That is the phone number I have. That is who I am directed to call by the other two entities. I believe Comenity is allowing fraud perpetrators to use mine and others credit card information for purchases. Its either unknowingly or within their company. 
I think everyone should be on the same page and by filing this report I hope theres a better understanding. It is my prerogative to change credit card companies I understand, so I have locked all my credit cards and in the process of looking at other companies.
Consumer complaint received 2024-01-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (TX)

my personal info was used without my permission to open a fraudulent account which led to a collection derogatory with XXXX also i have got this same account off multiple times due to identity theft. i first got it off on XX/XX/XXXX which at the time the company was XXXX XXXX i have a police report also with the XXXX XXXX in tx and the report number is XXXX then after it came off it came back but this company name was XXXX XXXX and i also had to get that off to on XX/XX/XXXX have a police report for that one too by XXXX XXXX and that report number is XXXX and now it came back the same account with a different name again and that name is the cbe group and i also have a police report for that one also by the XXXX XXXX and the report number is XXXX i am tired of these people harassing me for some i disputed a long time ago and over and over again these people are hindering my lively hood and my credit profile. 
Now with that been said according to FCRA act 15 U.S.C 1681 that company is required to by federal law to verify through the physical verification of the original signed consumer contract any all accounts you post on a credit report to assure maximum acccurarcy. 
I demand to see a copy of Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit and hindered my life. Under FCRA 1681 unverified accounts must be promptly deleted once the victim of identity theft has proactively contacted you notifying you of the fraudulent activity. 
Please block this this information ( the CBE GROUP XXXX # XXXX bal ; XXXX ) from my credit report, pursuant to section 605B of the FCRA, and send the required notification to all furnishers of this information.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (CA)

I am a victim of identity theft I included the police report. 

I noticed these items on my consumer report so I than reached out to my mom whos and attorney she recommended me to file this here and hope we all can come to one accord with these allegations of accounts. 

I have never been associated with any of these creditors.
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 b 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 Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights.

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