davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (PA)

Several years ago, there was a big intiative for lending club to incentivize people to bring over ira money and invest it in the peer to peer loans on the lendingclub platform. I agreed to roll about $ 20k from my XXXX ira into this account and invested it in notes. As the notes started to underperform and started to change the return from around 9 % to down to 2 %, I tried to take some money out of the platform. It was at this point that I was told it would cost {$25.00} to take any amount of money out of the account since wire transfer was the only way this could actually occur. Additionally, there's a {$200.00} charge to close the account. 

I've never heard of a fee to be able to close an ira account. Especially with this type of investment it's a problem because the money comes in over a XXXX year period in small increments. The money would have to come in there and sit for years before being able to move it into another investment. 

This was not sufficiently communicated to me prior to my agreement to roll it over.
Consumer complaint received 2023-09-12
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (SC)

The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX 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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-17
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XXXX wednesday XXXX XXXX  i got a text message from cell # XXXX and it read *********************************** FreeMsg : Verify Wells Fargo activity. 
Card XXXX {$2200.00} @ XXXX XXXX {$82.00} @ XXXX Reply Y if recognized, or call XXXX. 
STOP to stop msgs ****************************************** XXXX wednesday XXXXXXXX XXXX. i called wells fargo using my cellphone. XXXXXXXX XXXX XXXX XXXX of << wells fargo everyday banking XXXX answered my call. i informed her that i got a text message at XXXXXXXX XXXX on my cell phone from an unrecognized cell # XXXX about transactions needing authorization. she confirmed that cell # XXXX is indeed wells fargo. she told me that the transaction description mentioned << card inserted >> that meant a debit card was used. i told her that i have my debit card with me here at home. she asked me if i did transaction at XXXX for {$1.00}, i replied 'no '. she closed my debit card right away. she told me that a new debit card will be sent to me via mail and will reach me in a week or so. she told me not to worry because those transactions in the text message did not push through since i did not reply to the text message. she advised that i update merchants of new debit card and its expiration date. she advised me to change online wells fargo password. she advised that i change my email passwords. 
****************************************** XXXX monday XXXX XXXX. i spoke to XXXX of wells fargo. i told her that i am disputing the transaction {$2200.00} by merchant XXXX XXXXXXXX posted on my checking account on XXXX she gave me a claim reference # XXXX wait 10 business days as a required time frame. XXXX indicated that my debit card was closed on XXXX due to me reporting of unauthorized transactions but she is not sure why the transaction {$2200.00} still got charged on my checking account. i asked her why did i still get charged the unauthorized transaction worth {$2200.00} eventhough i informed them within minutes of finding out via their text message that someone was trying to charge my debit card without my authorization? she does not know the answer.
Consumer complaint received 2023-09-12
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. (NV)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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)

XXXX XXXX  Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature fornthis accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate information from my credit report
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate information from my credit report
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (CA)

A few day ago first national bank called me and left a voicemail and said I was going to jail if I dont sign a paper stating that I will come to court they said they have my job address and there coming to serve papers at my job within 24 hours they called me more then twice they sent me fake court papers to be in court on the XXXX and that was on a Sunday and they called my son house asking questions about me and your not suppose to call no one but my significant other
Consumer complaint received 2023-09-12
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

I paid my account from XXXX XXXX XXXX in XXXX after being sent to a collection agency without my knowledge. I paid the full amount we agreed on and that document was sent to me in XXXX showing the account was PAID IN FULL by Amcol Systems. Now they have sent this fully paid account to another collection agency with a different amount and name without the original account number. The original location was closed a few months later and no account number shows from my only visit in XXXX. This is illegal and I told the Rep that it has been paid and he still tried to collect money. I am not paying for what was settled. Please stop XXXX XXXX XXXX  and XXXX XXXX from harassing me for an account paid in full.
Consumer complaint received 2023-02-14
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)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One fails to uphold their obligation and duty to be accurate, fair, clear and concise, and uphold consumer laws. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) states that excluded from a consumer report are transactions ( late payments ) and experiences ( utilization ). Why, after my many letters and calls to dispute this, are they still reporting anything on my account? Late or not, this information is private and should not be listed. I have opted out of being reported and they still share my private information with their third party agencies, ones who have not been granted permissible purpose. 

I called in yesterday XX/XX/23 to dispute this again and the woman told me she refused to talk about laws. She put me on hold to talk to a supervisor, and after 2 minutes it automatically hung up. I just spoke with XXXX XXXX XXXX # : XXXX. She told me there was nothing she could do as far as the consumer report. Interesting when the consumer reports reflect information capital one furnishes. I asked her to provide me with disclosures on how to dispute and she told me she could not send me anything but the she could tell me over the phone. What!? I literally had to try to write down word for word the address and information to include in a dispute. Not to mention she was speaking so fast. I told her you seriously can't slow down? Let alone send me disclosures and information i am requesting? I literally have to write down all this because you are failing to correct my information? I've never heard of a company that will hide information that should be clear and easily accessible to all consumers. 

Capital one is not listening to their consumers. They are STILL not being accurate on consumer reports. And when consumers try to get information to dispute and correct them, they are making it unclear and difficult to receive the information to exercise our right to dispute.
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2023-09-12
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. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened an account with truist bank to deposit a social security check that came in the mail, I had been waiting on. So i trusted truist and went to the bank with the check on XXXX XXXX which was a friday , I knew it couldve took intill monday I was fine with that. they deposited the XXXX into the account with no problems with bank tellers .It was deposited into the account between the XXXX mark. I couldnt use my money yet because it was the weekend which was okay and I was waiting on my card to come in the mail .The next coming day my account was deducted XXXX  and then I called the bank they said they didnt see the transaction that i seen in my online app that said it was from truist . The next upcoming day the account was placed on hold then was locked. So couldnt access my online account . I called the bank they didnt say much, I went inside the supervisor called the fraud department and they said everything looked good and their still looking into it . The supervisor gave me the fraud department number and told me that someone would reach out by XXXX XXXX XXXX  so five days , noone reached out i reached out to the number they gave to me , Early in the morning and they said the analyst was still reviewing my case and to reach out later on i asked to speak to the analyst i was told that they dont have a contact to be reached on. So okay i waited to call back later that day around XXXX called them back and they told me the analyst left a note saying they still dont know why my money wont be released.they will reached out to me in another 4,5 days . At this point there being very unprofessional and inconvenient. I know the check is vaild and ive been receiving social security my whole life i usually get it direct deposited but this time it was a check. They need to reach out to the government or whoever on the check or give me my check back so i can go take my business somewhere else.They still cant give me no reasoning and I know my check is valid.There moving very slow like they dont value their customers. They also dont have no XXXX  or XXXX  fraud department specialist when I asked the man i was speaking to.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.