davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

Resurgent Capital Services is attempting to collect a debt on behalf of XXXX XXXX XXXX. which sold the contract or debt to their company. I owe Resurgent no debt and we do not have a contract or an agreement. also they are reporting on my credit report i owe the debt to them. this is illegal and fraud activity by Resurgent Capital Services.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Talked to a representative at XXXX on XX/XX/23 at XXXX XXXX. She explained they needed my address and I verified my address and I asked her what has the company ( XXXX ) done to fix the error on the credit report she said they have updated that information and just needed to verify my address. XXXX still has the same information no correction or removal of the information of another consumer information on the report the only thing that was updated was my address at the bottom of the report but the same information as the refuse to remove the information. I have sent my information to an attorney as I have tried to rectify the situation by including CFPB and XXXX
Consumer complaint received 2023-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Resurgent Capital Services L.P. (TN)

Resurgent Capital Services is saying i woe them a debt. that they have bought from another company. I have no contract with this company. they have sent me litters for debt which is illegal 39 U.S.C 3001 nonmailable act. which is illegal to send a debt through the mail. I never signed any agreement or contract with Resurgent Capital Services. who has claimed to buy the debt from another company. this is a debt collection company I do not owe any debt to.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: M&T BANK CORPORATION (NY)

Manufactures & trade not properly reporting my monthly payments of {$250.00} per month Monthly payment. They are reporting aNO INFORMATION Payment history. From XXXX thru XXXX listening all payments last when fact they have received them all early Stating Ive only made 23 % on this is a total lie of my credit recording. They are blaming XXXX for not recording it correctly. I called XXXX and they told me they did not provide bother the payment binformation my conformation number XXXX gave me after I spoke to them is XXXX. They advised me to contact you and ask that they be removed from my credit report for false reporting of my payment to them ThankYou XXXX XXXX
Consumer complaint received 2021-04-26
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 (CA)

My PayPal account was first Frozen on XX/XX/2020 and has a positive balance of {$1100.00}. They are holding this money due to the fact that a previous PayPal account had gone into the negative and they are demanding that the previous account be brought current before they will release the funds of this current account. I have explained to them that with the coronavirus and everything else going on, the release of the funds and the current account are going to begin the process of resolution on the previous year 's accounts. I don't believe that this money should have just been taken XXXX an ultimatum on a previous debt.
Consumer complaint received 2024-03-04
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. (NC)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00}
Consumer complaint received 2023-06-13
Product: Credit card or prepaid 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: Chime Financial Inc (CA)

I had XXXX charges made on my account back to back XXXX charging me XXXX dollars and the secound XXXX dollars i disputed this with Chime and they refunded me my money while doing their investigation and then took it back with no reasoning. i recently called them again to see what happened and still they have not contacted me
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (PA)

Chime/XXXX  does not have a real credit card. They give you no money and do not run the debit/credit card they give as a credit card. It is not a prepaid credit card. It is a bank account and they give you a credit card that is actually a debit card. Chime, however out of nowhere even though I had it for over 2 years never reported anything false, suddenly went out of their way and reported that my balance on my account increased as if I spent money on an actual real card and gave me a bad credit utilization score knocking of XXXX points with that one false lie. The truth is my account balance was XXXX because I had no funds in the account during the time they reported that I went over some kind of spending limit -- -which was a lie. If no spending limit exists how can I go over it? Please help me fix what Chime did. They knocked my good credit score to fair, out of jealousy and they lied to the credit bureau specifically XXXX and XXXX. If my balance was zero I could not have increased the balance to XXXX which is what they reported intentionally to deprive me of my good credit score. Fix the error you made and reported. They reported false information then the credit bureau reduced my score based on false information.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (FL)

I never used my credit to apply for any car loans or credit cards. I never gave any of these companies to run my credit report for loans ; car loans ; and all other hard inquiries. 


U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERA to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE + to report anything on my consumer report which violates my rights as a federal proted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

This company has been reporting on all 3 credit reports an account I'm unfamiliar with dating back to XXXX, they added a bogus address to my credit report from a different state I've never lived in I contacted the credit bureaus who said the address was added by the collection agengy and its fraud if I've never lived in a different state I've uploaded proof of address and license to all credit bureaus. They also changed ny DOB from XXXX to XXXX which was disputed by XXXX by providing proof of my license and passport. After disputing the illegal address this company is now changing the balance on this bogus account started to increase by {$1.00} now they increased this old account by {$5.00} which is destroying by XXXX score. I'm a XXXX XXXX who pays all my bills on time and have only lived in NY my whole life, I have never lived in NJ as this company has added this bogus address it is illegal for me to live out of state and be a XXXX XXXX. I see this company is involved with several class action lawsuits for similar occurances please help me and get this fraudulent collection agency from doing illegal credit reporting
Consumer complaint received 2023-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I discovered four XXXX transfers had occurred from my checking account on or about XX/XX/XXXX. I called USAA and advised them I had not authorized these transfers. USAA advised me they didnt believe fraud had occurred and if it had, it was my fault. I did everything they instructed me to i.e. change passwords, use a different email, and deactivated XXXX. This has now happened 2 more times, the worst of which occurred on XX/XX/XXXX whereas XXXX  XXXX was transferred out of my account via XXXX in a matter of 6 hours. I requested the fraud department research this and was advised that the fraud department found no fraud occurred. I asked how they came to this conclusion and was advised that information is internal and does not get shared with the account holder. I asked how XXXX got reactivated on my account and was again advised everything that happened was my doing. What Im very confused about is per the USAA website, only 3 XXXX transfers are allowed in a 24 hour period and a maximum of {$1000.00} in a 24 hour period. USAA will not address this with me. I did everything USAA told me to do to protect my account but it didnt work. I was so relieved when I found the 3 a day/ {$1000.00} max rule per USAAs site yet each time I bring this up, they act as if they have no idea this is plainly stated on their website. Many people are having these same issues and USAA is firing customers daily so they dont have to deal with us.
Consumer complaint received 2023-06-12
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)

XXXX XXXX has failed to remove fraudulent inquiries resulting from identity theft. I have already provided all required documentation. These inquiries are not mine and I did not give anyone consent to use my personal information.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.
Consumer complaint received 2023-03-04
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. (MI)

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX o # XXXX XXXX XXXX XXXX XXXX # 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 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 by more than seven years.

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 is inaccurate.
Consumer complaint received 2021-04-26
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I HAVE DIPSUTED THIS FRAUDULENT ACCOUNT SEVERAL TIMES. ITS CAUSING ME A LOT OF UNNECESSARY HARDSHIP. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY PROFILE.
Consumer complaint received 2024-03-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I had an issue with a wire transfer on my chase account. XX/XX/2023. When I 1st called the rep from their XXXX location told me I had to find another way of sending money. I then spoke to a supervisor in Ohio she went through a verification process which the other person did not do and told me to submit it online again. It was denied. I went to a branch in XXXX XXXXXXXX fl to fix the issue. Rep did not appear to want to help me. She contacted department and gave me the phone so I could verify again with them. While doing this rep continue to text on her phone not keeping herself available for my service. When done she wanted to charge me more to do the wire transfer. I told her I do it myself and left. She was rude and not very helpful since she did not appear to want to do her job. I file request for wire transfer a 3rd time. I get a call from rep in XXXX and he wanted to verify again. I had to tell him I just got done doing it. It finally went through. I called and filed a complaint regarding issue with wire transfer and rep. No one ever called me back. On XXXX XXXX I was trying to transfer money from savings to checking. It was not working. I called and spoke to rep about issue so she did the transfer for me and contact chase it department about issue. Afterwards the I found transfer went through from rep and online. I get a text on XX/XX/2023 saying my savings is XXXX balance. I get on line and only see my checking account and car loan. 

I also show on checking that a payment to XXXX XXXX  cleared on XX/XX/2023. I got a call from my insurance agent that my account was frozen and they never received payment. When I called about this issue they said account was frozen on the XXXX. But yet it shows payment is cleared. No one wants to provide any info and I keep getting hung up on. 

I call chase and they tell me that that they closed my accounts and sent me a letter which I have not received. They won't give me a reason. But yet I still have my car loan. I have never had any major issues with them until I did a wire transfer and this rep from the bank along with issues online,. I have been with them 20 plus years. The bank created all these issues and appear to penalize me for their mistakes by closing my accounts. I never even received a call back from a manager in regards to my complaints. 

I never go into a bank unless it is absolutely necessary. All banking is done online and I use secure codes when I access my account. All their issues cause me extreme frustration and now they penalize me for them by closing my accounts. 
They are holding my money hostage!
Consumer complaint received 2019-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2019 I made a purchase through XXXX to the plug closet which was an online boutique. On XX/XX/XXXX I placed an order with them for a wallet and a handbag which totaled to {$280.00}. By XX/XX/2019 I still had not received any merchandise from them even though I was told it was 5 to 10 processing days plus 2 day shipping. Between XX/XX/XXXX and XX/XX/XXXX I have reached out to the company over and over again to try and see if my merchandise was on its way if I were going to be receiving merchandise or if I was just going to get a refund. The company and I finally decided that I would receive a refund between 7 to 10 business days and I still have not received anything from them to this day! I reached out to my bank Wells Fargo to see how they could help me with this transaction since I sent my money through XXXX through Wells Fargo. Wells Fargo told me that there was nothing they could do to help me because they see it like a cash transaction even though there's proof that I sent the amount of {$280.00} to the company. I reached out to Wells Fargo once again to see if they could help me with this transaction and I have an open claim with them now for the second time! I really feel like that I'm not getting any kind of help with any of this so I'm coming to you to see what we can do to resolve this.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-03
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. (LA)

For the following credit report agency : XXXX, XXXX, and TransUnion ; I did not give permission to have the following accounts ( XXXXXXXX XXXX & XXXX ) furnished on my credit report. { Reference : 15 usc 1681a2 } The following accounts ( XXXXXXXX XXXX XXXX  XXXX ) are under litigation and i have submitted a FTC for the fraudulent activity.
Consumer complaint received 2020-12-16
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: Professional Debt Mediation, Inc. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE APARTMENT LEASES IN MY NAME I HAVE MADE CRIMINAL COMPLAINTS AT LOCAL AND FEDERAL AGENCIES I AM A VICTIM OF IDENTITY THEFT I HAVE PROVIDED A COPY OF MY IDENTITY THEFT REPORT ON THESE ACCOUNTS ATTACH TO THIS COMPLAINT ***PLEASE SEE ATTACHMENT ****
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (TX)

Mr Cooper Mortgage Company reported us to the credit bureau as being late on two mortgage payments. We have never been late on a payment. I have made multiple phone calls to them. Every time I speak to someone they tell me they will have their research department fix the error. They never dispute what I am saying, rather, they say it is a glitch in their system. Meanwhile, our credit is impacted greatly as they show us to be in " 60-90 '' days not once but twice.
Consumer complaint received 2023-08-03
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (UT)

I have tried to get a replacement card from direct express, and can't get a hold of anyone anymore, and they refuse to send me a paper check for my money on my count. XXXX will not replace my money either. So I have 0 other choice but to do this.