davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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)

Experian, XXXX and XXXX are all reporting inaccurate information regarding 2 accounts in collection on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Account XXXX are claiming I owe them an alleged debt which is not mines. I have tried to resolve this directly with the bureaus but they have not correct my report by removing these fraudulent accounts that are being reported without my consent. I demand that this inaccurate information be removed immediately. According to 15 USC 1681i ( A ) ( 1.A ) they must remove the misleading information while under investigation. These debt collectors are harassing me by sending me letters in the mail saying I owe them for a alleged debt that is not mines.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

I opened a dispute on a transaction for XXXX $ On XX/XX/XXXX with my credit card issuer. I started this dispute because I never received what I paid for. This card was issued by comentity bank. They have since closed my dispute saying that I received a delivery on XX/XX/XXXX but I never received anything from the company. The company is XXXX XXXX and they have 100 's of complaints from consumers never receiving what they paid for. I can't believe that I am being looked at as a liar. I NEVER RECEIVED WHAT I PAID FOR, POINT BLANK. What do I need to do to take this to the next level? Do I need to get a lawyer or something of that nature?
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian XXXX XXXX Inaccurate Account Information In my Credit File Fed Loan Servicing - Account Number : XXXX XXXX shows my account in good standing Payment status : Pays as agreed Last Updated : XX/XX/2022 XXXX shows XXXX late XXXX shows my account in good standing Payment Status : Pays as Agreed Last Updated : XX/XX/2022 Shows XXXX Late Experian shows my account delinquent at XXXX days late Payment Status Inaccurate Last Updated : XX/XX/2022 no change to the inaccuracy never XXXX  days late Experian shows account as XXXX days past due -- -- > Status Inaccurate must be removed
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft pursuant to 15 U.S.C 1681a ( q ) ( 3 ). I filed an identity theft report on XXXX XXXX, XXXX. There are inquires being reported on my consumer report by Experian. There is an inquiry from XXXX Bank on XXXX, XXXX, XXXX and are XXXX inquires from XXXX XXXX XXXX Bank on XX/XX/XXXX and on XXXX, XXXX, XXXX. I did not give written consent to have these inquires reported. I made Experian aware of this by sending off supporting documents via certified mail on XX/XX/XXXX. The supporting documents included a copy of my license, for identification purposes, a copy of my XXXX for proof of address, a screenshot of my consumer report that shows the inquires, the identity theft report, an Affidavit, and a letter.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX, XXXX, I was aware that my online wire transfer limit was between {$3000.00} and {$5000.00}. At that time, I executed a wire transfer in the amount of {$1500.00}. Wells Fargo temporarily locked my account in the event the transaction was fraudulent. 

In XXXX, XXXX, I had to go into a Wells Fargo branch in person to execute a {$15000.00} wire transfer as this amount was above my limit. 

In XXXX, XXXX, I was the victim of a reverse wire transfer fraud scheme. The fraudsters manipulated me to execute an online wire transfer in the amount of {$25000.00}. 
This transaction went through immediately with no apparent scrutiny by Wells Fargo. 

Where were the previous anti-fraud measures that I had experienced? 

When was my online wire transfer limited increased to {$25000.00}? 

On XX/XX/XXXX, I asked a Wells Fargo online banking telephone representative, when was my online wire transfer limit increased and she stated, XX/XX/XXXX. 

My fraud occurred on XX/XX/XXXX and I reported it on XX/XX/XXXX. 

Did Wells Fargo change my online wire transfer limit after my reported fraud? 

I respectfully request answers to these specific questions. Thank you.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

So my name is XXXX XXXX and my information was impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information. I am distressed that Experian have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (MO)

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report. The account TEK COLLECT ( Original creditor XXXX XXXX ) with the account number has XXXX been reporting erroneously in my credit report. XXXX and XXXX seems to be reporting differently. I have already requested the removal of this account but up until now I didn't receive any changes. Please remove this account. It is damaging and causing my credit scores to drop. I hope you can take this matter to your hands and I'll be expecting some changes.
Consumer complaint received 2020-04-07
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: Innovis (TX)

on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees.

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Consumer complaint received 2020-04-07
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: LEXISNEXIS (TX)

on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX XXXX XXXX XXXX, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

The CFPB closed my last complaint ( XXXX ) following a response from the company. The inquiry into my account was likely triggered by a name change that occurred due to marriage, which is something primarily affecting women. I attempted to resolve the issue by providing the documentation they requested. They dishonestly claimed the documentation I provided, which included a copy of my passport, was fraudulent or fake. In my response I asked the company to provide evidence my passport was fake. Passports are gold standard for identification and misrepresenting yourself with a forged passport is a crime. They made the claim without providing evidence. Also in my response to these claims from the company was the observation that their claims were unchallenged by this process, but my complaint was closed regardless. I am still waiting to hear the details of exactly how I forged my passport, and how applying identification algorithms that disproportionately affects women is not discimination against a protected group.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was travelling in XXXX XXXX XXXX. A girlfriend and I went to XXXX XXXX  XXXX and purchased one personal pepperoni pizza that we shared and two vodka tonics. The total of the purchase came out to XXXX pecos or {$38.00} US dollars. The tip brought the total to XXXX pecos or {$47.00} US dollars ( {$48.00} approximately ). The bartender was told to charge the total in pecos,  however he inadvertently charged the incorrect total of {$880.00} in US dollars to my credit card. I initially disputed this claim with Chase Bank, where I have this Chase Slate credit card. The initially refunded the {$830.00} US dollars to my account. On XX/XX/XXXX I was recharged the credit that I received for {$830.00}. I have disputed this claim with my bank on 3 separate occasions. The initial dispute I did not have the receipt from XXXX XXXX  XXXX, however since than I was able to contact the owner of XXXX XXXX  XXXX XXXX XXXX, who put me in contact with the General Manager XXXX XXXX. XXXX XXXX acknowledged the error in billing and provided me with email correspondence in regards to this error in billing. He also provided me with a copy of the receipt and credit card charge slip with the correct amounts clearly identified. I have provided this information to Chase Bank / Slate Credit Card company and they still refuse to provide me with the refund of {$830.00}.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently reached out to all 3 major credit bureaus via certified mail that requires a signature, asking them to verify some accounts. I also requested a complete investigation on everything on my credit report, and they did, and stated everything was accurate. After I looked over my credit reports to do my own research, I still found some items that are reporting inaccurate on my consumer reports. There are several items reporting on different dates, different amounts, accounts opening, closing on different dates, or late payments. 

After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Several of my consumer rights have been violated by the accounts listed below, therefore I demand these account to be removed from my credit report. 

XXXX. XXXX XXXX Account # XXXX Inaccurate items are as follows XX/XX/XXXX I was marked 90days late by TransUnion but marked paid on time by XXXX. XX/XX/XXXX I was marked paid on time by XXXX and TransUnion, but 30 days late by XXXX. How is this the case if my consumer reports should be accurate? 

Please see attached files XXXX XXXX XXXX Account # XXXX This company has been reporting inaccurate information from XXXX XXXX XX/XX/XXXX and other dates. Please see the attach files for confirmation. 

I demand these accounts be deleted from my consumer reports immediately due to the fact that they violates my consumer rights.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMS-Recovery Management Services, Inc. (MS)

I have attempted to resolve this issue previously with this company Recovery Management System ( RMS ). Upon my own recent discoveries, per XXXX, this agency is not authorized to collect a debt in neither of the two states that this alleged debt was incurred. I am curios to know why this agency has taken adverse actions against me, such as posting inaccurate information to my credit file, when their not even licensed to do business in neither XXXX nor XXXX, per XXXX. I have been violated and my consumer credit file has been damaged as a result of unfair and deceptive practices. 

Furthermore, I have not received any contracts showing a perfect obligation of me, the consumer, to pay this agency. I have not authorized this agency to have access to my non public information, and, as a result, I have been harassed about this alleged debt and my credit report has been damaged as well. My confidence in commerce has been lowered due to the lack of integrity of this agency.
Consumer complaint received 2020-04-07
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. (AR)

I've recently been in constant contact with Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, XXXX, or XXXX  consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Transunion has failed miserably. Transunion in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. XXXX XXXX    XXXX  # XXXX, 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 2020-04-07
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: Experian Information Solutions Inc. (NC)

XXXX XXXX reposed the XXXX  XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX   XXXX Veteran and this is not fair
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (NC)

XXXX XXXX reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX   XXXX Veteran and this is not fair
Consumer complaint received 2024-03-18
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. (AL)

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

I had an unsecured card with XXXX XXXX and during the XXXX XXXX I was displaced out of my home for 120 Days. I spoke to XXXX XXXX and let them know that I wanted to work with them on this debt. I was told that they would work with me and when I called back to make a payment they told me that they couldn't take any payments from me. I've tried to resolve things with them. The credit card limit was XXXX and it been reported on my credit report {$1000.00}! They are lying on all 3 credit bureaus saying it was a {$450.00} credit limit which is completely untrue! I'm a home-bound 100 % XXXX Veteran that shouldn't be taken advantage of during a crisis in which XXXX, N.C flooded during XXXX! I sent them certified mail asking to explain the money they say I owe and i included the letters of responses from them and a collection agency LVNV FUNDING! Basically telling me that they dont have anything to say to me!
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NJ)

I received a letter from TD Bank stating an application for a credit card was submitted under my name but that they required more information for the application, however I NEVER submitted an application for a TD Bank credit card. I called the XXXX number on the letter and eventually spoke with a provider rep who demanded my full social security number in order to investigate the application. I refused to give my SS # and asked that the application be identified by my name, date of birth, address, etc. as my social security number is private. The customer rep said that unless I provided my SS #, she could not help me. I informed her that disclosing my SS # is how identity theft starts in the first place.