davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CO)

ATM withdrawal on XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) and XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) not made by me. I opened a dispute on both transactions. Dispute XXXX was closed in my favor but the bank will not provide the information used to come to that decision. Dispute XXXX the transaction was determined to be authorized and correct. Merchant Name/ATM location : XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX. I have requested information used to come to that decision. The information was not provide in letter sent to me XX/XX/XXXX informing that they determined the transaction was in fact valid. I think the disputes are related both were made at the same location. 

The ATM did not have a EMV chip reader, I did not see a camera. When I called XX/XX/XXXX to report the first invalid withdrawal on XX/XX/XXXX ally bank did not recommend canceling my card or inform me that a {$400.00} withdrawal had been made at the same ATM on XX/XX/XXXX. This is a ATM that is in network ( approved ) by ally.
Consumer complaint received 2019-12-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

I contacted the company and got a return to sender there is no return address. They have different phone number and address on XXXX and XXXX. They are reported as derogatory on XXXX yet it says paid in full. XXXX has never late.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX-XX/XX/XXXX I had a checking account with J.P. Morgan Chase Bank and between those dates I transferred approximately {$6900.00} into my account only to have it closed after I was done and still havent seen any of my money almost a month later
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In the month of XXXX  I spoke to a representative from XXXX XXXX. I explained to them I wanted to close the account. Concluding that conversation, I expected the account to be closed. The third week of XXXX I am looking over my credit report and notice a late payment for the month of XXXX from XXXX XXXX. I immediately contacted them and they stated that they have no record of me calling to close the account. I disputed the information with Experian and XXXX XXXX refused to right their wrong. This company targets people trying to build credit. The customer service is horrible, that is why I wanted the account closed.
Consumer complaint received 2024-03-14
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. (AZ)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX .
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-06-01
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. (IL)

I did not authorize these inquiries : Equifax : Equifax Mortgage Ser XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX : Equifax Mortgage Ser XX/XX/XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I emailed and called Equifax to find out why my credit score has been XXXX for over a year when my XXXX and XXXX scores are points away from XXXX? why such a big difference. Their credit report looks good but whats up with this XXXX score?
Consumer complaint received 2023-01-12
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. (AL)

I imagine XXXX XXXX Bank is a good Bank but I have not Authorized them to pull my credit. I have sent TransUnion, XXXX, and XXXX 3 different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a XXXX XXXX account nor have I applied for one.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Auto is illegally reporting this account on my consumer reports as paid in full for less than full balance AND charged off. This is illegal and wrong. An account is either charged off from an unpaid balance or settled for an agreed amount which XXXX out the account or paid. I have attached a letter from Capital One Auto clearly stating that I agreed and paid the proposed amount of {$390.00} as a " settlement offer ''. I agreed to settle. Once the money was paid the account should have reflected as such. Capital One Auto is refusing to correct their grave error which is illegal and misleading to the consumer and anyone that is verifying my credit worthiness. Their negligence is continuing to cause me undue hardship. I am constantly being faced with discrimination of my credit from their illegal practices. I have also attached the settlement letter to this complaint as proof stating directly from Capital One Auto that this account should have reflected settled for less than full balance that's it that's all. Capital One Auto continues to violate many laws of the Fair Credit Reporting Act and my rights as a consumer.
Consumer complaint received 2023-03-01
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-03-01
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. (TX)

I checked again my credit report and found that some of the data wereincorrect. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XXXX XXXX I opened an account with Venmo, then I decided to get the Venmo debit card after that my troubles began that night they sent me 4 emails requesting a physical address, well I call them on XX/XX/XXXX talked to XXXX XXXX and explained my living situation situation and that I wasn't using credit cards any more and I would use there card instead of my personal debit card. Then on the XXXX? I received an email indicating they want a government issued id with my name on it fraud and scam flags I was thinking on the XXXX Venmo was concerned about my address then on the XXXX they were more concerned with my name, I have ask them 7 times to close the account, they refuse even after filling a XXXX XXXXXXXX XXXX report on Venmo screenshots of emails are attached, then on the 8 the they froze the account email attached for that stating that there appears to be activity on the account that was against there policies well I haven't even used the account and for some secret reason no one wants to tell the reason instead they insist on my government issued id NO NO AND MORE NOS I keep telling, they created a situation by freezing the account to have an excuse to request further identification which they have no right to ask for, all Venmo has to do is permanently close the account that's it, this continued absolutely abuse and horrific treatment by these people insisting on my id is not necessary they have no reason to want my I'd.they want my id to unfreeze my account so I can close it. Silly to me! Then I tried to get back into the the next day it was frozen, restricting my access to deleting my card off the account, to get my debit card off the account so I had to go to my financial institution and close that card immediately I knew I was being scammed, and I had been defrauded. As of XXXX on XX/XX/2023 the account is not close it is still open. After reporting Venmo to the XXXX XXXX XXXX Venmo still hasn't closed the account that why I have come to you for help thank you
Consumer complaint received 2021-08-29
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: CITIZENS FINANCIAL GROUP, INC. (WV)

In XX/XX/2021 I received an e mail from Citizens One stating that I owed them money for something called XXXX XXXX XXXX I called attorney general office in West Virginia where i live and they told me to disregard it. I have applied for no loan at this company. So every month I would receive e mails and i did not open just deleted. After two months I received another e mail for more money so i checked my credit report to make sure this was not on it. It shows on my credit report and past due amounts. Last e mail i received that i opened says i owe XXXX by XX/XX/XXXX. I called citizens on they are affliated with Citizen Bank in Rhode Island. When i called Citizen One they wanted my social security number and date of birth which i told them if i supposedly had a loan they should have it and did not give it to them. They said they were going to put fraud on account and would send out papers to fill out in next 2 weeks. I contacted all three credit bureaus and put freeze on all three. I called Citizens Bank to check to see if I had loan there since they are together. They said no. This was all done on Friday XXXX. Thank you for your attention to this matter.
Consumer complaint received 2022-01-04
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. (TX)

For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, Transunion, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, Transunion, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX XXXX XXXX. How am I suppose to purchase a new car so I can get him to his new born Dr checkups?
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

In response to MIDLAND CREDIT MANAGEMENT : This company has obtained my information from XXXX XXXX  unlawfully. I did not give them my consent to have access to my information. They received my information from XXXX XXXX XXXX which means they've engaged in aggravated identity theft. XXXX XXXX knowingly transferred, without lawful authority, a means of my identification. Furthermore, I am the original creditor of the account and I do not validate any debt that is allegedly owed. According to the FDCPA only a consumer can validate such debt, which makes their statement of me owing a debt and the debt being valid is very much an invalid statement. Therefore, the alleged debt is NOT valid nor owed by me, the consumer/natural person. They also state that they were advised by credit reporting agencies to furnish such information on my consumer report, which is a violation of the FCRA. This company did not have permissible purpose to furnish anything on my consumer report. They did NOT receive my written instructions to furnish such information on my consumer report and I have never engaged in ANY consumer credit transaction with them, therefore they are violating federal law. I have never had a contract with this company, therefore I am being taken advantage of by MIDLAND CREDIT MANAGEMENT.
Consumer complaint received 2019-12-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (VA)

Hello there! My name is XXXX XXXX and Ive been a Wells Fargo customer since the company acquired my first bank, Wachovia. I was hoping you could help me with an issue regarding a recent balance transfer I initiated towards my Wells Fargo credit card. 

This particular balance transfer was placed on XX/XX/XXXX from my XXXX account ( account # XXXX XXXX XXXX XXXX ) for {$4000.00} towards my Wells Fargo credit card balance ( account # XXXX XXXX XXXX XXXX ). This balance transfer has yet to be applied to my Wells Fargo account balance according to my XXXX and XXXX statements, however the funds are represented on my XXXX statement since early XXXX. 

I contacted XXXX three weeks ago and they ensured me an investigation which they've yet to update me on. Wells Fargo seems to be dragging their feet as well. I have sent personal letters to each bank asking to investigate the issue. 

My social security number is # XXXX. I can be reached by phone at XXXX or by email at XXXX.
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CA)

Today, Monday XX/XX/2019, I received an unsolicited prepaid debit Mastercard from Netspend. In XX/XX/2019 I registered by certified mail with Opt Out Prescreen to opt out of all card offers. Netspend appears to have ignored my valid and binding opt out request. This is not acceptable. Please 1 ) penalize Netspend or their parent company ( s ) to the full extent of the law. Please also 2 ) require Netspend to delete all of my personal information from their records, 3 ) refrain from ever selling or sharing any information about me to any third party in perpetuity, and 4 ) issue a written and unconditional acknowledgment and apology to me as to each violation of law and each of my requests herein.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

I XXXX, XXXX, XXXX, already had a 30-day trial membership and was charged XXXX in XX/XX/2019. Currently, I can not get into my account, I paid for in XX/XX/2019. I never had a problem signing in before the 30-day trial and the {$19.00} charge. Experian system keep taking me to a screen for a 30-day trail membership for {$9.00}. The bottom line, I can not get into my original account and it is hard to communicate with a live person.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

They have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Consumer complaint received 2022-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.