davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I recently checked my XXXX  account and noticed a unauthorized collections account under my account under collections account LVNV FUNDING LLC and the original creditor being XXXX XXXX XXXXXXXX XXXX XXXX in the amount of XXXX XXXXthat I know nothing of or applied for
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I had many charges on my account that I did not make and therefore in began a dispute with BECU in regards to the unauthorized transactions. They put my account on hold and forwarded my info to the financial crimes division. I later got a letter telling me that my case was closed and they were not responsible for reimbursing me. When I came in and asked why they told me that they had video footage of me & " my partner '' at the ATM. That's when I knew they were lying because I have never been to the ATM with my partner. So I asked to see the videos. They refused to show me anything and had security escort me off the property. When I tried to call financial crimes the caseworker was on vacation for XXXX weeks. When I'm finally did get ahold of her she said I had passed the deadline to appeal the decision. 
In my statements money was being transferred from my savings into my checking to cover overdraft fees. I remember specifically requesting not to approve overdraft protection. I did not sign any waivers approving any transfers from my savings. 
I also requested to be notified of any payments above {$100.00}. A lot of the charges were at the casino which I can prove i was no where near at any point during the months in question. There was also big calculation errors in which charges and remaining balance did not add up on my statements. There was over {$6000.00} in charges that I never authorized or notified of in a 4 month window.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items. XXXX XXXX account # XXXX has inaccurate last reported. Inaccurate date last active.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (GA)

In early XX/XX/2018 I called the Discover XXXX number to speak with a customer service representative. I inquired on the steps I would need to take to request an increase in credit since I had made all payments on time each month for the past year. I currently had a limit of {$200.00} ( that I had paid for a year ago ) and was told that I would need to show {$2300.00} in my bank account in order to request the max limit of {$2500.00}. This CSA told me that Discover would withdraw the funds from my account and return within 8 business days after the credit limit increase was completed. I waited a few weeks to call back and complete the application over the phone. The second CSA told me the same information, that I would receive a check in the mail within 8 days to refund me not only the {$200.00} I previously paid a year ago but also the {$2300.00} that would then be withdrawn from my checking account if I am approved for the increase. She then asked me many questions and submitted my request. I was approved for the max amount and was excited to receive this increase as I was in the process of building my credit. This limit increase from Discover definitely increased my credit FICO score and I was happy with my decision. I waited a few weeks for my {$2500.00} check from Discover to arrive. I had not received it so I contacted their customer service line for a 3rd time. This CSA encouraged me to be patient and made it very clear that my {$2500.00} check was on its way. I then waited an additional few weeks to all back again. This time, the CSA informed me that I've been given false information by previous reps and that I would need to wait a full year for my account to graduate to an unsecured card or either close my account and then the check would be sent to me. Her manager also reiterated the same thing. I declined because I had no reason to close this credit card account and have to endure a major credit score drop. I was extremely mislead and and deceived by Discover CSA 's. I reached out to corporate a few days later to file a complaint. The account manager informed me that he would need to investigate the previous calls and get back to me on how to proceed. I finally spoke with this same guy after two weeks. He admits to me that he listened to the calls I had with the CSA agents and confirmed that I was given false information and that I would not get my money back. He offered me a {$100.00} credit to the account and said that he would be sure that these agents received coaching to be made aware of the processes and guidelines that Discover has. I declined the credit and informed him that I would escalate matters. I truly hope that the Federal Trade Commission resolves this issue and has Discover send me my {$2500.00} back instead of keeping my money. I have been completely mislead into requesting this increase and am not ok with them keeping my money.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I have tried contacting this company multiple times and even went through this portal to submit an official complaint in XXXX with no resolution or clarification on this consumer account. 
I am writing to bring to your attention a serious matter related to my consumer rights, which, i believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt.

2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties.

3. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary.

I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (TX)

Reported account past due on two occasions XX/XX/2022 and XX/XX/2022 incorrectly. Account payment made and not posted using checking account authorized Provided documentation of company error on 2attemptXXXX and no response or correction made. Filed dispute with credit bureaus and did not receive response within required time
Consumer complaint received 2023-09-21
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

My partner had a checking and savings account at Wells Fargo ( WF ). In XXXX XXXX, he completed and signed the Transfer/Payable on Death beneficiary form that Wells Fargo gave him naming me as the beneficiary on both accounts and hand-delivered to a Wells Fargo branch. He died recently and now Wells Fargo refuses to honor it. 

Here 's what happened ( I know because I was with him ). 

He went to the WF branch at XXXX XXXX XXXX, XXXX VA. He asked for the form to designate a payable on death beneficiary for his Wells Fargo checking and savings accounts. 

Wells Fargo & Company of course being a " community-based financial services company with approximately {$1.00} XXXX in assets '' and " approximately XXXX team members. '' XXXX company, XXXX team for all those financial services. 

The Wells Fargo employee first gave him the wrong form ( one that was for creating a power of attorney ). He asked again. 

Eventually, a Wells Fargo employee gave him a form that said it was a Designation of Transfer on Death ( TOD ) Beneficiary form ( it also said it could be Payable on Death ( POD ) ). They insisted it was the correct form.

He filled it out with all essential information including checking and savings account information in section 1. The form even says " Beneficiary designations will only apply to the account ( s ) as designated in section 1 of this form. '' He properly identified those accounts in that section. And named me as the primary beneficiary. Next to the box that says, " Primary beneficiary : Individual ( s ) or entity ( ies ) who will receive the funds upon the death of all account owners. '' He dated and signed it.

He then hand-delivered the completed, signed form to a Wells Fargo employee , who copied it, gave him back a copy of the form, and said that was all he needed to do. This was in XXXX XXXX XXXX. 

Note : a diligent search of the Wells Fargo website located no other Designation of Transfer on Death ( TOD ) /Payable on Death ( POD ) Beneficiary form. 

After my partner died, imagine my shock when I went to a local Wells Fargo branch to report his death, provided his death certificate and the completed TOD/POD form ( dated XXXX ) only to be told they didn't have a record of it, it was the wrong form, and it wasn't valid. 

The form that Wells Fargo gave him, the form that Wells Fargo said was the right form and when completed and signed, the form that Wells Fargo accepted and said was all he needed to do. Was. not. valid. 

Please advise how I can get this properly processed and the funds in those accounts transferred. The local branch copied both the death certificate and the completed TOD/POD.
Consumer complaint received 2023-02-17
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: Duvera Billing Services, LLC (PA)

This company, DUVERA is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' DUVERA is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by DUVERA to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX XXXX XXXX  XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If DUVERA has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

DUVERA is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports.

I WILL FORWARD THIS LETTER TO ATTORNEY GENERAL, XXXX  AND IRS. I INTEND TO TAKE LEGAL ACTION
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sezzle Inc. (MI)

Sezzle is a buy now pay over time program that I defaulted on. For months now I have been trying to pay this debt as it is still open reflecting on my credit. Sezzle tells me trueaccord is the debt collector while XXXX XXXX tells me the debt is back with Sezzle. No one is helping me. I have proof of both communications.
Consumer complaint received 2023-10-07
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. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

XXXX demanded that I repay a wire transfer for about {$21000.00} I received from a client in XX/XX/2023. That request was not from my client. I declined. Chase closed all my accounts without explanation and has held frozen my funds for XXXX weeks. Still dont have my money. They refuse to provide any explanation or justification.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I attempted to transfer funds from my Marcus savings account to another bank, XXXX XXXX, via an ACH-pull transaction. Following this transaction, Marcus placed a hold on my account. Despite providing verification for all my personal information during a subsequent phone call, Marcus refused to lift the hold and did not offer any explanation for their decision. This has caused me inconvenience and financial impact, as I am unable to access my funds.
Consumer complaint received 2023-09-29
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. (CT)

Equifax Llc Credit reporting agency has failed to get back to me within a 30 reponse time, and did not remove the inaccurate item. in addition this company did their investigation and did not report any findings. just deemed as verified. which is impossible becausw ] e those files not correct and can not be verified. his has been on going for the past 6 months. IN Addition this company has been reporting a account that has been closed. another violation. I'm adding proof XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to request information regarding the investigation conducted by Experian pursuant to my dispute regarding the accuracy of an account on my credit report. The specific account in question is as follows : Account Holder : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under the provisions of 15 U.S. Code 1681i - Procedure in case of Disputed Accuracy, I am entitled to receive information about how Experian conducted its investigation into this disputed account 's accuracy. I submitted a dispute to Experian regarding the accuracy of the information related to the account mentioned above. I kindly request the following information : A detailed explanation of the investigation process undertaken by Experian, including the steps followed and the parties involved in the investigation. Copies of all correspondence, documentation, or records related to the investigation of the disputed account, including any communication with the data furnisher. Any documentation provided by XXXX XXXX XXXX XXXX XXXX during the investigation. The results of the investigation, including any changes made to my credit report as a result of the dispute. The date on which the investigation was completed. Please provide this information at your earliest convenience, as I believe it is essential for me to fully understand the investigation process and its outcome, as allowed by law. Furthermore, I kindly request that any relevant documentation related to this investigation be provided to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal regulations. I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by law. I have attached proof that this investigation was not done properly! Thank you for your assistance in this matter, and I expect this information within 14 days delivered in this portal.