davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 


XXXX. XXXX XXXX OF XXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4000.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$9300.00} XXXX. XXXX XXXX CRED XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (CA)

I was the victim of identity theft. The hackers transferred my cell phone number to themselves ( SIM swap ).

The hackers opened a Chime account that I discover by a USPS mail acknowledgment. 

I called Chime and their customer service agents had me go through a process I could not complete so they would not cancel the account. The agent was so bad and poorly trained that it was clear he did not understand what I was trying to do. They were reading from a script that made no sense and did not allow me to proceed. 

I finally sent an email to XXXX plus contacted the Chime XXXX account. Eventually the issue was resolved and the account closed.
Consumer complaint received 2019-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (TN)

On the XXXX of XX/XX/2022, i deposited {$100000.00} into my Comenity Direct now recently branded as Bread Savings in order to benefit from their high APY of about 1 %. My account has been restricted since XXXX of 2022. Making it over a year since my account has been restricted. I have been calling for over a year now and all i am been told is my account is under review and they dont know how long the review is going to take. Give me my money please it is over a year and this is daylight robbery! I am a XXXX year old woman and i am down with a XXXX. I put all my life savings into Comenity Direct in order to benefit from their high APY. As a result of Comenity Direct restricting my account and denying me access to my money my life has been unbearable for the past year from sleepless nights and skipping on buying my XXXX medication because i just cant afford it. It is unfair how i am being treated by Comenity Direct.
Consumer complaint received 2024-03-09
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX Balance Owed : {$18000.00}
Consumer complaint received 2022-05-23
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)

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (DE)

on XX/XX/22 I was on my computer with my Wells Fargo accounts page and was going to transfer some funds when a message came up on the screen from my internet security company ( XXXX ) that said they suspected possible virus 's and hacking in my computer and to call them right away, so I did. They said they would need to get into my computer to clear it up and with one small step they were in. they said it would take some time to do the work and to step away and not worry but to leave the computer on and they would callme back the next day. The next morning they called to tell me they still had some work to do and to inform me I was selected for a free upgrade and a refund of my payment I had recently made. i was then taken to a page where I was to fill in my name and the amount to refund which was {$300.00}. I did that and then a screen came up which showed {$15000.00} in my checking account which they said was theirs and I would have to pay them back. I said I didn't know how that got there and they said I had to have done it when I put in the refund amount and now I would need to do a wire transfer for that amount. I now became suspicious and told the man I was not comfortable with all this and he told me if I did not comply he would take the money from my IRA accounts as well and then showed a page where they were zerod out. I was now concerned that I may lose all my money and so I had to go on with the transfer. He did all the work on that and told me what to say to the tranfer agent to initiate it. Then I told the scammer I had to leave for an emergency and would be right back at which time I called the Wells Fargo fraud line and explained what I was in the middle of and that I was really concerned. the agent told me he had all he needed after I gave him all the details but did not offer any advice or help on what I should do next so I figured everything would be OK. I got back to the scammer and the transfer was finished. what was puzzeling to me was the transfer agent did not seem to find it odd that I was transfering {$15000.00} to a bank in XXXX when I had never before done a tranfer at at and to person there for a wedding gift and I could not pronounce her name properly. All the while the scammer was telling me what to say. he then said to just leave the computer on and he would get back to me in the morning. The next morning when he did not call and I checked my accounts my credit card was maxed out and my on hand cash was gone totaling almost {$23000.00}. I called the Wells Fargo fraud line again and told them what had happened and they said they would do an investigation to which I just received the result as not their fault and I would have to pay back the credit card balance of {$18000.00}.
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, from my checking account at Wells Fargo, I sent {$1000.00} to my daughter via XXXX. The money was never received. I filed a claim with Wells Fargo and I was given a claim number. Few days later, I received a letter stating that the money was sent and received by the recipient, hence the case was closed. I reached out to them again demanding proof, and I was informed my daughter 's phone number was incorrectly input. I requested info about such, and I was told they could not disclose that info. I asserted that when I entered my daughter 's phone number, her name popped up which was also confirmed in the debit entry but to avail.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FC HoldCo LLC (FL)

XX/XX/XXXX, our vehicle was deferred for 2 months due to the covid pandemic and catching up on bills. We never received any 1. Paper bills. 2. Actual, live person calls ( they only used to send automated ), 3. Any email correspondence. Which is where my husband gets his bills. Nothing. They sent it to collections when a month wasnt paid. But when he logged into his account with the loan, it even showed his account in the " green '' meaning, he was all caught up, due to the deferral. No one tried to contact him or me. Apparently, due to his pay, he'd originally set up weekly payments to equal the total each month. ( He gets paid weekly ), EVEN THOUGH, once they sent this to collections, they finally tell us " oh we don't do weekly payments. Because the amount they set him up for, he was a bit short for the month. '' But it was THEIR REPRESENTATIVE who came up with the amount, approved it, and his loan was in covid-19 deferral. They also had incorrect phone numbers in their system ; and our old address from 6 months prior. Though, my husband had called to update. Flagship supervisor XXXX, said they'd take care of it, and if we dispute it. It should come off. It didnt. They STILL refused to drop it though our account is paid up, and it was in deferral, no bills or late notices were sent to any contacts, and our contact info was wrong.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank XXXX # XXXX Phone # XXXX I have been dealing with Truist Bank since XX/XX/XXXX with no response! 
I had a health policy with XXXX XXXX for the year XXXX with monthly premium payments of {$440.00} per month, which was on auto-pay, automatically withdrawn. 
The policy was cancelled effective XXXX XXXX and which time in the beginning of XX/XX/XXXX, all payments should of stopped. I reviewed my bank statements in XX/XX/XXXX and saw 2 months of premium payments in the amount of XXXX taken out in XXXX and XXXX. I immediately called the bank and informed them of these withdraws and they were NOT authorized. 
After many phones calls to XXXX and to Truist Bank, still NO rely or return calls. 
Truist returned XXXX premium payment for the XXXX withdraw in the amount of {$440.00} but refuse to to reimburse me for the XXXX withdraw of {$440.00}. 
I have NOT received any contact with Truist bank, and they are claiming in a letter they have closed my claim stating I authorized XXXX payment for a insurance policy I no longer had!! 
Truist never contacted me to discuss my claim and I ever went into the local branch to no avail. 
I was informed that the bank was going to deposit the {$440.00} into my account but still the money is not there after a month. 
I need you assistance in getting this matter resolved in a timely fashion and my {$440.00} is returned to me. Thank you.
Consumer complaint received 2019-10-02
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. (FL)

On XX/XX/2019 I submitted dispute letters to XXXX, XXXX  and Transunion to delete inaccurate information from my credit report particularly a dismissed Bankruptcy showing on all 3 credit bureaus. XXXX and XXXX has responded saying they deleted it from my credit report while Transunion is refusing the same. Transunion has stated that they verified the bankruptcy and it is correct and belongs to me but i have yet to receive proof of that. I sent another dispute letter on XX/XX/2019 to Transunion to follow suit and delete like XXXX and XXXX  did but after being on the phone with them for an hour today and speaking to a supervisor I am being told that they will not process my most recent dispute because it's a duplicate. This needs to be deleted from my Transunion report because if the other 2 bureaus can't validate, how can Transunion and they use the same system.
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Valentine and Kebartas, Inc. (NY)

Valentine & Kebartas is on a cease and desist and said on complaint XXXX and said " On XX/XX/2022, the account of XXXX XXXX was placed in our office for collection by our client, XXXX XXXX, XXXX. The original creditor is XXXX XXXX Bank. We have complied with the cease and desist request of XXXX XXXX. As a result, there will be no further contact with XXXX XXXX from our organization. '' so no now they are tiring to collect another knowing that the cease and desist is for all debts and also knowing that I am exempt from there debt collection I can sue them for violation of the cease and desist
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying for several months now to repair my credit and my letters sent to the credit bureaus have been ignored. 

My credit report reflects many accounts that are being reported incorrectly, such as last date of activity, late payments, balances. I have the right to a fair credit, to be correctly reported in the 3 credit bureaus
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2022-12-17
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. (AR)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XXXX I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

Hello, On XX/XX/XXXX i sent an email over to the property manager, stating i will be moving out. My lease was fully signed for the new complex. Due to the pandemic the leasing office was closed. I was instructed to send an email to the main office, and they will attach it to my account. Nothing was ever done and about 4 months later i received an invoice saying i owe a balance that i didn't owe. I need to speak to whom ever to help me get this off my credit. I have exhausted all my resources and this is unfair and blocking me from moving again. someone please help me please
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TN)

*Attached is debt validation letter that I sent to the company and my XXXX I do not have a contract or any obligation to pay this company nor know how they got my personal information. This account is fraudulent and they stole my personal information which is identity theft. 

PRO COLLECT ACCOUNT # XXXX *PLEASE SEE ATTACHED DOCUMENTATION
Consumer complaint received 2022-05-23
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXXXXXX XXXX Account Number : XXXX 12.XXXX XXXX XXXX Account Number : XXXX 13. XXXX XXXX  Account Number : XXXX 14. XXXX XXXX XXXX XXXX Account Number : XXXX 15. XXXX XXXX XXXX XXXX Account Number : XXXX 16. XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 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 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (IL)

I took out an auto loan that was originally with XXXX compass 7 years ago. This was an auto-draft directly from my bank account the entire loan. My loan was then taken over by PNC Bank as the company took over XXXX. 

On the final loan payment PNC Bank decided to remove my auto-draft and did not contact me regarding this at all. They then reported my last loan payment as a missed payment on my credit report. I called their support and after it took them awhile to research, they told me the auto draft was stopped by PNC Bank because the last payment must be paid manually. They never tried informing me of this matter once. I paid it immediately over the phone on XXXX XXXX 2022, the same day I got notification on my credit report. 

I have never missed any payments on any line of credit in my life and this caused my credit score to drop from the 800 's to the 720 's. I am extremely unhappy with their service and makes no sense why they would believe that I would just not pay my last payment on the loan with 7 years of payment history.
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information on my credit file. The items I need deleted are listed below. All of these inquiries were unauthorized. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX  Inquiry Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 2022