davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

XXXX find the following illegal chargeback from a sender who paid me the rental deposit of {$400.00} but filed a chargeback after a few months and she is still living in the apartment. Venmo continued the chargeback by taking the money away from my Venmo account to her account after I sent Venmo the lease agreement and all electronic communications with the sender who acknowledged in the communication that the chargeback was false. This made no sense and had no Customer protection at all since fraudulent chargeback can happen by anyone for any reason. I cant imagine that this can happen so easily for someone to steal money from us and there was no justice at all. 

Update on your Venmo case Dispute ID : XXXX Transaction amount : {$400.00} USD Disputed amount : {$400.00} USD Transaction date : XX/XX/2022 Sender name : XXXX XXXX XXXX XXXX of your senders opened a case for this transaction. This means the sender has asked their financial institution to reverse the money for this transaction. We want to help you, and we are disputing this case with your senders financial institution. 
Because of the following reason ( s ) : This transaction was not marked as eligible for Purchase Protection. 
an amount of {$400.00} USD has been debited from your Venmo account during case filing and you will not be debited again. 
We understand that you may not have been expecting this chargeback. If this debit has caused your Venmo account to go negative, please log in to your Venmo account and add money to your account by visiting venmo.com/addfunds. 
If the financial institution decides the case in your favor, we'll notify you when the payment is returned to your Venmo account. 
We'll email you if we need any further information from you. 
Thank you for using Venmo.
Consumer complaint received 2023-02-02
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Copy of Email sent on XXXX XXXX XXXX  to XXXX XXXX XXXX  EST To the investigation team for identity theft and fraud, I submitted a screen shot from XXXX credit agency showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX XXXX  member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXXXXXX XXXX 

I was supposed to receive FOLLOW UP by the XXXX  INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed XXXX  again on XX/XX/XXXX included the requested screenshot dispute page from XXXX and still received NO FOLLOW UP. 

I called the XXXX  customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with XXXX  all in collections without my consent back in XXXX of XXXX  which I discovered in XX/XX/XXXXXXXX  when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

XXXX  reported in XX/XX/XXXX to XXXX dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX AND XXXX with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and FICO score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two XXXX  accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to XXXX but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of XXXX to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to XXXX so they can also be removed from my credit report. I did not OPEN ANY XXXX  ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until XXXX  confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in XXXX and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXX  DISPUTED ID THEFT XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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. (AZ)

I am writing to express my frustration and disappointment with the numerous unsuccessful attempts to remove fraudulent items from your platform. Despite my repeated efforts to report these fraudulent listings, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

However, I regret to inform you that despite my persistent attempts, these fraudulent items persist on your platform for an unacceptable duration. This not only undermines the credibility of your service but also exposes your users to potential financial losses and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only compounded my frustration. I have received minimal updates on the progress of my complaints, leaving me uncertain about the actions being taken to address these issues. 

As a valued user of your platform, I expect better accountability and responsiveness from your company in combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only erode the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file : 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 2023-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (LA)

In XXXX or XXXX, my husband and I were presented an offer of replacing our old windows and doors from our neighbor as a referral. We set up the appointment to meet with the representative and scheduled to have the new glass doors and windows installed. Our payment was set up through Wells Fargo ; at some point, my husband and I were having financial difficulties, that led to the beginning of our nightmare. We were XXXX  with garnishment if we didn't sign up with some program that I never heard of and that program led us to another nightmare of XXXX, but we managed to finally pay off the loan. The program led to more payment with a higher interest rate, and after that experience, we denied any products or services that involved Wells Fargo. I called in several complaints that led to no resolution. Now here we are years later ; yes, I would like to submit my statement to receive compensation from the overpayment of my loan, threats and forcing my husband and me to sign with a program that cost us more money than we initially agreed upon.
Consumer complaint received 2022-05-19
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. (IL)

Hi I am submitting this XXXXXXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-02-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

I heard that Wells Fargo has had issues with mishandling customer 's $ through mortgages, loans, and overall savings accounts. This caused Wells Fargo to pay {$3.00} XXXX to its customers. Since I have been a customer of Wells Fargo for well over 9 years, I am afraid my account was impacted and may have had issues over the years that I was not aware about. I would like to make sure 1. I was not impacted by this issue and 2. If I was, I would like to be compensated for any amount that was missing under my account.
Consumer complaint received 2022-05-19
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)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After receiving a solicitation for a CapitalOne Venture card I applied and was sent an Adverse Action letter advising me they couldn't approve of my application because : " Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable. '' The back of the letter reports that the source is XXXX and that my XXXX XXXX range is a " low of XXXX to a high of XXXX '' and that " Amount owed on revolving accounts is too high ; length of time accounts have been established. '' This is simply not true and CapitalOne has refused to provide what information on the report has caused the adverse action. Here are the facts : XXXX score : XXXX ; Payment History 100 % ; Credit Card Use 5 % ; Derogatory Remarks XXXX ; Credit age XXXX Years ( oldest, XXXX years ( average ; Total Accounts XXXX ; Hard Inquires XXXX ( two of which are the result of the CapitalOne application ). 
In addition I do not carry a balance on my cards ( unless there is a 0 % offer ) and I have a Satisfactory mark on ALL my accounts. It is impossible to discuss this with XXXX ( since I don't know what to dispute_ as my credit report provides no indication of the remarks.
Consumer complaint received 2023-05-19
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Idaho Housing And Finance Association (TX)

I have spoken to this company several times on both XX/XX/ and XXXX  to try and resolve incorrect information on their part reflected on credit reporting. On XXXX  I was transferred several times to several different people that fumbled over answers and put me on hold only to be told to log in to the portal online and read the information stated there. When I told the representative that I was reading what was online and that it did. not reflect a repayment plan previously made, I was informed again that I just needed to read what was online ( which was unhelpful, to say the least. ) On XX/XX/ I called this company yet again to revive PDF documents of these agreements so that I could handle the issue myself. I spoke to several different people over the day who said that they sent the documents. After giving two different emails and speaking to/being transferred to several different people over the course of a morning I FINALLY received one document. The other document has still not been sent to me. This company is clearly withholding information that will ultimately prove that they are incorrect on things which is unprofessional.
Consumer complaint received 2023-05-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On or about XX/XX/XXXX, someone hacked into my online account for XXXX credit cards and changed my address and ordered new cards, After sending the new address to Experian XXXX realized something was going on, they contacted me, we closed that account, and they issued new cards. Meanwhile, Experian sent out the fraudulent address to some of my creditors, and i was contacted by XXXX XXXX, who told me that they had received this fake info from Experian. I called Experian and requested my credit report, they sent it and i disputed the 'new ' address ( and a few other small things ). Instead of deleting the new address, they deleted my real address that i have had for over 40 years. Getting hold of them on the phone took hours each time and i'd get different info every time i called- they rarely could find evidence of previous call ( but sometime did! ) - they told me to dispute the new address and ask for the old one to be reinstated- i sent what they asked for several times- they sent new credit reports each time, having not done what i asked - and each time i called - the usual answer was : send it again, or saying : I don't know why it wasn't done - or that they could fix it if i resent the info, or that they couldn't do it until my creditors where notified. I received about notices or new credit report from them and finally, on XX/XX/XXXX they sent me one with the real address restored. Let me add : at least twice, i asked to talk to a supervisor, and was told none were available, that they would have one call me- and i NEVER got a call back.Either these people are incompetent, or trained to be stupid. At one point the guy could not find their copy of the report that had been sent to me -- he put me on hold several time to look or to find a supervisor -- the last time he did that, the call got dropped- i called back and that person found the report in about 10 seconds - and she was one of the people that promised me a call back, but none came. I wasted hours of my time, and theirs ( which likely only raised the costs of doing business, passed on to customers like me and others who then have to deal with their incompetence -- their should be fines for such things