davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft. I sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hello, I wss in XXXX XXXX then night of XX/XX//24. My phone was taken out of my purse and purchases were made using my XXXX, XXXX and debit card. They were able to get inside my phone because I assume they watched me put my passcode in. Once they got in my phone they were able to log into my bank accounts because it's saved passwords. I contacted Wells Fargo immediately the next morning once I was able to get access to a temporary phone and filed fraud. I provided Wells Fargo with my police report, an FBI IC3 report, a phone insurance claim proving my phone was stolen on XXXX and they refuse to give me my money back. I have gone into their office multiple times and faxed them information. I even gave them the detective 's information who was working with me and refuse to give me my money back. I have banked with this bank for close to a decade and have never claimed fraud. I have attached my police report, FBI report and insurane claim.
Consumer complaint received 2023-10-26
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I received a fraud detection alert from my bank ( Wells Fargo ) that there was suspicious activity detected on my debit card on XX/XX/XXXX at XXXX XXXX. I immediately noticed XXXX fraudulent charges from the XXXX XXXX ( XXXX in XXXX, and XXXX in XXXX.all within a few minutes of each other ). The charges add up to {$740.00}. I immediately called the bank ( on XX/XX/XXXX at XXXX XXXX  ), cancelled my debit & requested a new debit card, and filed a claim. Wells Fargo has declined my claim saying the transactions were done by a chip reader and therefore it must have been me. I did not make those transactions, they are at separate XXXX XXXX  locations in XXXX and XXXX within minutes of each other, I couldn't have been in XXXX and XXXX at the same time doing this. Wells Fargo says they can not look any further into the claim due to the chip reader. I had the card in my possession at the time, and I did not make the transactions. Wells Fargo is refusing to look any further into the claim because a chip reader was used. They won't look with XXXX XXXX to prove it wasn't me. They said fraud was detected, but then when the fraud was reported they are denying that fraud took place. I filed a police report with the XXXX Police Department ( case # XXXX ) to have them assist with looking at surveillance to prove it wasn't me. I'm requesting further investigation into this fraud claim and reimbursement of the charges. Fraudulent charges to my account : card # ending XXXX XX/XX/XXXX {$250.00} ( XXXX XXXX XXXX XXXX California XXXX, store XXXX ) {$110.00} ( XXXX XXXX XXXX XXXX NV XXXX, store # XXXX ) {$380.00} ( XXXX XXXX XXXX XXXX NV XXXX, XXXX ) This is the second time filing a complaint with the CFPB. After filing the first time, Wells Fargo came back and continued to refuse reimbursement of funds. They continued to state the reason was because the chip was read. A complaint has been made to the OCC as well.
Consumer complaint received 2024-05-07
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: CREDIT ACCEPTANCE CORPORATION (MI)

Accordance to the f. C. R. A. Everything has to be 100 % correct on my credit report, with all 3 bureaus. The credit bureau stated that my account was properly investigated, But how is that possible when dates? With all 3 credit bureau are beyond inaccurate, along with mailing address to the credit acceptance company. Due to this, this is ground for removal off my credit report.

This also has violated my rights. 15 U.S.C 1681 section 602 A, rights to privacy and section 604 A, that states Consumers reporting agency can not furnish information without my consent.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (MO)

CKS Prime Investments- {$850.00} open date on credit report XX/XX/year> I don't have a contract with this company. They are refusing to remove this information from my credit report. According to 15 USC " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication ''.
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Saturday the XXXX of XXXX. I entered into a Bank of America branch to deposit a cashiers check in the amount of {$6000.00} into my business checking account. I was told by one of the employees there that the funds would be available on Tuesday, XX/XX/XXXX. On XX/XX/year> I went onto my mobile account to ensure that the payment was going to post to my checking account as promised. I see that there was a post made by Bank of America stating that funds would be available on XX/XX/year>. When I work up the morning of the XXXX, only to find that they are now holding my funds until the XXXX XXXX XXXX. I went into the local branch and spoke with a representative about the matter after sitting there for 45 minutes. The rep called over to XXXX XXXX and they did confirm that the funds was there but would not release them until the XXXX XXXX XXXX This is unacceptable for them to hold my business funds for an entire week. I have bills and XXXX to pay. I am late on my XXXX vehicle payment as well as with my venders. This is causing my XXXX  to fail and no one seems to care. I am a XXXX XXXX XXXX that is just trying to make it in world. What an American dream this is!!!
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Name Removal Option XXXX XXXX XXXX XXXX, XXXX XXXX Re : Fraudulent Credit Inquiry To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXXXXXX XXXX XXXX ( auto ) XXXX XXXX XXXXXXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX  XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX finance ). XXXX XXXX -XXXX  XXXX ( finance ). XXXX XXXX XXXX ( bank XXXX. XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One close my credit card due to non-payment, after the account was closed I paid the account and all fees at the time. After all fees were paid Capital One continues to charge me interest and fees, I've called to ask for a resolution in Capital One refuses to offer any solution or resolution other than continue to pay them more fees. The fees that Capital One have added are different amounts each time and are not aligned in any of their paperwork that they have provided that I would anticipate.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  '' with Account XXXX XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/
Consumer complaint received 2023-04-14
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$310.00} XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF ED/XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF ED/XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/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 2023-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX, and XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information on Credit Report - Account XXXX XXXXXXXX ( XXXX XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute the presence of an alleged debt on my credit report, specifically Account XXXX XXXXXXXX, which is attributed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, assert that I have never engaged in any transaction, let alone purchased a timeshare, from XXXX XXXX XXXX or any other business entity. 
This matter has been a source of frustration for over XXXX years, and despite repeated attempts to resolve it, I continue to face unwarranted and baseless claims from XXXX XXXX XXXX and their collection agent, XXXX XXXX. As a seasoned realtor with over 15 years of experience in the real estate industry, I possess a comprehensive understanding of real estate transactions, including timeshares. To be explicitly clear, any real estate transaction, including timeshares, requires a signed contract to be legally valid. I can confirm unequivocally that no such contract exists in relation to this alleged debt. 
Upon requesting documentation to substantiate the debt, XXXX XXXX provided me with what can only be described as meaningless and suspicious paperwork. The attached documents including a warranty deed, which erroneously lists an outdated street address with an inaccurate house number, that I have not resided in since my high school years, includes two grantors whom I have never had any dealings with. What is most telling is the complete absence of my signature on this so-called " deed, '' which is a fundamental requirement for any real estate transaction. Furthermore, the lack of a copy of my picture ID, which is standard procedure in real estate transactions, further underscores the fraudulent nature of these documents. 
Moreover, the ledger purportedly containing " card transactions '' fails to reference any credit card belonging to me, and it does not indicate any legitimate transactions related to my name or accounts. This is undeniable evidence that this supposed debt is entirely unfounded, and it seems more likely that it is a result of identity confusion or, worse yet, a deliberate act of fraud and misrepresentation on the part of XXXX XXXX XXXX and their collection agent. 
I vehemently protest against these deceptive practices and respectfully demand that any reference to XXXX XXXX XXXX and all associated parties be immediately removed from my credit report. I have presented a compelling case backed by evidence that I am not responsible for this alleged debt and have never attempted to purchase a timeshare. 
I urge your agency to conduct a thorough investigation into this matter, and I expect a prompt resolution. Please inform me, in writing, of the actions taken to rectify this situation within 30 days from the receipt of this letter, as mandated by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2018-09-16
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: HW Holding, Inc (IL)

Complaint to FTC ( Hunter Warfield ) Inaccurately Reported as a lease violation to the CRAs This in fact, is a claim for damages, having nothing to do with the lease. In accordance to Furnisher Rule 660 4 ( 3 ), this is materially misleading. I have submitted several requests for proof of debt. HW repeatedly sends me copies of a bill. This is in violation of the FCRA. H.W. Has an obligation to reinvestigate this claim and verify its accuracy These Damages are based solely on accusations of H.W. clients. In accordance to an FTC opinion letter from Attorney XXXX XXXX XXXX You should be aware That a printout of a bill or itemized document does not constitute verification. In addition, H.W. made reference to the Fair debt collections Practice Act, when in fact this is a complaint concerning the FCRA.H..W. Is a law firm and knows, this is an effort to deceive and mislead me. In accordance to FCRA sect 623 ( a ) ( 1 ) it is illegal to report information that is inaccurate when there is reasonable belief that it is inaccurate. Sect 623 ( a ) ( 1 ). 
There also several inaccuracies : XXXX : listed themselves as original creditor Date of first delinquency XX/XX/2014 vs date assigned XX/XX/2014 In closing I have included a copy of my recent letters and Hunter Warfields responses. I respectfully request, they remove this from the CRAs and take me off their collections.
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

Erroneous billing XXXX should have been covered by my insurance plan I have disputed the erroneous XXXX XXXX XXXX XXXX bill several times on my own, most recently with assistance of an attorney I have hired in 2024. My attorney wrote a letter to XXXX XXXX XXXX in XX/XX/2024. No response within 60 days. 
CMRE continues to contact me, I have reached out to them twice to dispute the bill. CMRE and XXXX XXXX XXXX continue to ignore my efforts and my attorneys efforts to resolve the erroneous bill
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Dear PayPal Support Team, I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this decision was made in error and that my account has been unfairly restricted. 

Firstly, I would like to clarify that I have not violated any of PayPal 's policies, terms, or conditions. I have always been a loyal and honest customer of PayPal and have used the platform for various transactions for a long time without any issues. Therefore, I am surprised and disappointed to receive a permanent limitation without any clear explanation or warning. 

Secondly, I would like to request that PayPal re-investigate my case and reconsider its decision. I am confident that upon further review, you will find that I have not engaged in any activity that would warrant a permanent limitation on my account. It is essential for me to have access to my PayPal account, as it is an integral part of my daily financial operations. 

I understand that PayPal has measures in place to ensure the safety and security of its platform and customers. However, I am certain that in my case, there has been a mistake, and I urge you to review my account again to clear any misunderstandings. 

In conclusion, I would like to respectfully request that PayPal reinstate my account as soon as possible. I appreciate your time and attention to this matter, and I look forward to hearing from you soon. 

Thank you for your understanding. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

In XX/XX/2023, I opened up a XXXX 's credit card through Synchrony Bank. The account ends in XXXX. It was used to purchase a refrigerator & some other small items. Each month the account payment was made on time. The account balance was never above the credit limit. 
Earlier this year, a letter was sent without notice or warning the account was closed. I called the company to discuss this. I was told too bad as it was based upon information received from a third party. They refused to provide specific information. There was no way to appeal the decision. 
I believe this to be dishonest, deceptive and unethical. If I was a poor credit risk in XX/XX/2023, they never should have approved the account. I should have been notified prior to the account review. 
I would like my account privileges restored.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
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 (TX)

So in XXXX XXXX XXXX  our vehicle was repo and they submitted are loan to collections, which westlake has their own dept that handels those cases. We came up with an agreement if I pay {$3800.00} they will release the car and then we are in agreement every month till XXXX I pay XXXX till remainder is paid off which in total came to {$7200.00} to get title. In XXXX we made are last payment we did XXXX payments they stated that was our last payment are account is closed and they would provide title in XXXX  days. Now they aren't trying to give us our title because in XXXX we made a payment XXXX days late and told us that the case manager was not suppose to continuing honor our old agreement that a new one was suppose to be made so they can not give us the title. No other agreement was giving to us we kept our end of the deal and they have the video recordings of every phone call showing proof that they made the mistake and now their not trying to give us our title and now they are avoiding our phone calls and not returning them back.