davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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. (WI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-03-20
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 — Investigation took more than 30 days
Company: Synovus Bank (PA)

On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (SC)

I was banking with Netspend and filled two disputes for transaction made with there debit on XX/XX/XXXX and XX/XX/XXXX i was informed they would have to research charges and a provisional credit will be issued if it couldnt be resolve by XX/XX/XXXX and XX/XX/XXXX well it is XX/XX/XXXX and the finically institution is saying that this doesnt meet the guide line of regulation e when it actually does meet all requirements of regulation e being a POS purchase please reference regulation e section 11 I have emails stating that this is not a billed transaction but it clearly is
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

The paypal close my account..they say if I submit some of my requirement it will be 1 day process but it's already 2days .. 

XX/XX/2021 the transactions XXXX is the amount I already submit the same day But it's 2 days now they have no response XXXX my paypal account
Consumer complaint received 2020-03-27
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. (GA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 i have not given any of these companies written permission to run my credit i have asked Equifax to remove these inquiries several times and know response
Consumer complaint received 2020-03-15
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: SECURITY FINANCE CORP (TX)

Sent letter to CONTINENTAL CR XXXX notifying them that my XXXX  credit report showed an unauthorized hard inquiry they had made on XX/XX/2020 and that I was not aware of this inquiry. I requested that the inquiry be removed immediately as this inquiry has been cited as a reason for me not receive credit. I also sent a copy of my credit report showing the inquiry.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am reporting Wells Fargo for not helping me or taking proper actions with my request on either putting me on a high protection program like they offered to do. Also removing security on my account. Like verbal passwords and also allowing fraudulent activity continue. And not listening to me or hearing me out. I was receiving alerts from XXXX  on Changes being made on my business checking. I have been banking with them since XXXX. I opened a business checking in XXXX when i first started my cleaning business. There was changes on the name. The username and password were compromised. I requested that there was suspicious online banking. Also had reported my debit card stolen. They didnt help. Also recent suspicious activity and unauthorized transactions were continuing to happen. I personally visited the branch to put a freeze on the account and suspend online banking. Also to close my savings. Again i had went because i spoke to IRS n my stimulus checks was deposited into that account after i said to freeze it. I have not gotten a new bank account until i resolve my identity theft situation. They gave me hard time to withdrawal my funds. They suspect im the fraud after i went in person to let them know. I asked why did my bank account name changed from business to personal without my permission or my knowledge. They made numerous changes. I feel like they did not believe me. The fraudulent activity was going on by phone and online. When i called about my account. They said i needed a authorization code. That i didnt receive or had any knowledge of. Also had mentioned why there was changes being made. They didnt say anything. I said is my phone number the same? The person on the phone hung up on me. It was the second time i had called. So when i went in person. The banker explained that my savings is a personal check. He sat there saying that their wasnt any changes with my phone number as well. So i suspect the banker wasnt being honest. I requested to listen to the calls. N he acted like he was helping me. Anyhow. I got some documents by mail from Wells Fargo. The fraudulent activity has been going on since XX/XX/XXXX to now XX/XX/XXXX.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2024. Deposited a check in the amount of {$120000.00}. Was told that on XX/XX/2024. I will be able to have my cash in my hand. 
On XX/XX/XXXX I was told I cant have access to my money. I requested To talk to someone. They told me they dont have anyone I can talk to. Someone with higher authority ( unknown ) needs to authorize if I can get my money. They have committed securities fraud.
Consumer complaint received 2022-11-02
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. (NY)

N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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 instructions N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX 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 instructions N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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 instructions
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

they never sent validation letter certified mail, you need tracking numbers i have it plus receipt i can provide upon request. and no personal interviews was done plus they only said verified as accurate and it has been over 30 days and never mark it being disputed when i sent in the request. where i never gave written permission to these accounts and i only have one address that is on my id not ot any other address and no permission giving. i beleive they are not following rules being fair and understanding of the law. it like they skipped a chapter. 

all the inquiries are still on there its not factual as they say they never shown my signature in any case remove and also the accounts i provided in docs. 

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

Transunion and other keep saying verified and accurate with no changes made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made. Thank you Mr. CFPB for looking into this.

please follow up with this usa cfpb
Consumer complaint received 2021-03-20
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 — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (PA)

On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (GA)

I made a {$5000.00} credit card payment directly from my Synovus bank account. The payment was not applied, nor is the money in my account. The {$5000.00} just disappeared. I informed the bank and they stated that they were having an issue with the system and assured me that the problem would be fixed. Well, it has been 3 days and the money is still missing. I asked them to reverse the transaction, and they stated that they could not do it. So now I am out of {$5000.00} with no sign of recovering it.
Consumer complaint received 2020-03-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Fidelity Services, LLC (GA)

I sent Midwest Fidelity a debt validation letter in XX/XX/XXXX, a year ago, when this pooped up on my credit report.

I asked for : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Familiarity with ( XXXX XXXX.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that they own the debt with full clear title ( 8 ). Proof that they were on the original contract ( 9 ). Proof they are bonded in the state of Georgia ( 10 ). Proof they are who they claim They did not respond, so they account was deleted due to the violation and i asked for a cease and decist phone calls and letters. 
now its XX/XX/XXXX, they sent me another letter asking for a lesser settlement amount. ( violation 1 ) They are misrepresenting their name with the credit bureau this time around. they are claiming XXXX XXXX XXXX ( which i don't have an account with ) is collecting the debt instead of them. the report shows Same address and phone number on the report as Midwest Fidelity.

Who are they trying to fool? ( violation 2 ) Legally, no items ever deleted from a credit file can not return with the same company. ( so this is why they changed the name ) ( violation 3 ) FDCPA i will be filing a compliant with the FTC, XXXX, AG, and others
Consumer complaint received 2023-04-06
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)

see attached I have been contacting these companies since XXXX of 2022, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my credit.
Consumer complaint received 2020-03-27
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. (CA)

I have an ongoing dispute with XXXX XXXX XXXX XXXX  which is on file with this agency and a brief synopsis is as follows. 

XXXX XXXX XXXX XXXX  XXXX. claimed they loaned XXXX XXXX XXXX money on a credit card. I later learned they only put a credit on the Card. in other words XXXX XXXX XXXX XXXX  XXXX. lent me its credit and did not lend any real money or assets of the bank.This is against the law both in Federal and state law. Because of this deception and fraud I cancelled this account. 
XXXX XXXX XXXX  XXXX. then changed the account number stating that My Identity had been compromised, and reported it to Experian XXXX XXXX as late.In my opinion this was a ruse to draw attention away from the original account. XXXX. XXXX XXXX XXXX   XXXX. violated California Statute of fraud in contracts. California Civil Code 1624.1 I have requested accounting from XXXX. XXXX XXXX XXXX  XXXX. from XXXX XXXX over 5 times requesting proof of accounting that money was loaned and credit not lent. XXXX XXXX XXXX  XXXX. has refused to answer my respectful requests. 
Both XXXX. XXXX XXXX XXXX XXXX. and Experian XXXX XXXX violated the law which was clear the dispute was made under 15 U.S. code 1692 et seq. I have written to letters to XXXX XXXX CEO two times and XXXX XXXX V.P. and general counsel asking for proper investigation and proof that XXXX. XXXX XXXX XXXX  XXXX. actually had a real monetary consideration showing proof that real money was loaned to me. Experian who I think may be complicit in all of this simply said that XXXX XXXX XXXX XXXX  XXXX they certified the account as being late, but never addressed my request for proof of consideration or proof that real money was loaned. I am sending this complaint in hopes this will compel Experian XXXX XXXX to do its job.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX , TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX/ XXXX XXXX/XXXX  XXXX
Consumer complaint received 2022-03-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (KY)

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX / XXXX / {$0.00}
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

SHELL CREDIT CARD WAS OPENED IN MY NAME WITH MY SSN, CLEAR CASE OF IDENTITY THEFT. I COULD NOT HAVE OPENED AN ACCOUNT WITH SHELL AS MY CREDIT SCORE WAS BELOW 500. 
I HAVE NEVER HAD A GAS CREDIT CARD IN MY ENTIRE LIFE. I AM A SENIOR CITIZEN ( XXXX yrs now ) AND I ONLY DRIVE A FEW MILES PER WEEK FOR GROCERIES AND XXXX   XXXX. 
I SHOULD NOT HAVE TO PAY FOR SOMEONE STEALING MY INFORMATION AND RUNNING UP A BILL. WOULD YOU? 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX SSN : XXXX XXXX XXXX