davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

we have a account with Wells Fargo as a savings account for my son. we don't check the account often as it is a XXXX account for a minor which can not be touched until he turns XXXX from what I understood when we opened the account. XXXX day as we were curious i asked for the balance of the account and I saw on the statement there had been someone by the name " XXXX XXXX '' taking money from the account XXXXXXXX XXXX  every single month, i asked the banker XXXX XXXX XXXX about the charges and she told me they have been going on for over a year which was a shock to me because as i said a savings account like the one i opened for my son can not be used or touched until he is of age. she told me it was fraudulent as i never even heard of this person and she opened a report for it. We called the company that was getting paid this amount every month and they informed me they wouldn't be able to do anything that i needed to contact the bank. after multiple times of going in personally and getting no answers i called in and the person on the phone told me they wouldnt be able to do anything and i would not be getting the full amount that was taken from me, she also told me that companies are allowed to take the money without even getting ID confirmation and not get into any kind of trouble. I got a letter in the mail today saying the charges on my account were " correctly charged '' and that i would not be reimbersed my XXXXXXXX XXXX that im missing, id only be getting {$400.00} credited back on my account and that the case was closed which is not correct. in no way should i be charged that amount when i did not give anyone my account information nor did I accept to have these charges on my account for a person who i have never met or heard from in my life. On XX/XX/2022 I got a letter saying that I was only getting back {$400.00} out of the {$900.00} thats not correct. Also in that same letter it says our deposit account agreement explains we must hear from you no later than XXXX days AFTER WE SEND THE FIRST ACCOUNT STATEMENT ON WHICH THE PROBLEM OR ERROR APPEARED yet they never sent me anything about my account at all. This couldve been prevented if they had sent me my account statements as it says in our agreement!!
Consumer complaint received 2022-12-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc. (OH)

XXXX Has sent me a debt collection page to XXXX adults on the lease each XXXX separate reference for is XXXX i do not owe this debt. the original company is trying to pull a scam and i wont be apart of it XXXX XXXX  i rented from XXXXXXXX XXXX i filed a case on them with fair housing because they tried to put me through a bunch of rules and regulations when i tried to move to a new house. i put in notice that i would be moving, but needed to find a house my lease ended on XX/XX/XXXX XXXX they would not let me pay for those couple of days so i stated if i have to pay for the whole month then i will leave when i find a place. if my lease ended XX/XX/XXXX then i should have only been paying month to month after that because i did not sign a new lease. they created a fee saying i had to pay because my lease went month to month. this was not in original lease. so basically i asked them to come get the keys noone did i wsited until trash night put out the trash told them i would return to take trash back in and asked for someoone to meet me at the house again. noone showed. so when i left the house they put bogus charges charging me for removal of items that were originally on or in the house. They even added on extra days i asked for receipts. they told me they were not going to give me receipts .they are not allowed to just make repairs without giving me the chance to do them first. to charge me after the fasct is bad business. I believe they were trying to make me pay more for leaving and for the upgrades they made. They did not ask me to remove any items. everything was left in the trash can it needed to be pushed to the curb. they charged me XXXX after keeping the security deposit XXXX She has also included all three adults on this making it show up on all three of our accoutns when it should have only been on mine. i tried to work it out going back anfd forth with XXXX XXXX. she then stated she wold take action. i was not going to pay charges i didnt owe and that she couldnt produce receipts for.
Consumer complaint received 2022-04-06
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: CarMax, Inc. (LA)

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX, CarMax XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap
Consumer complaint received 2022-03-14
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. (NY)

On XX/XX/2021 I sent a letter to the XXXX credit bureaus, XXXX, XXXX and Experian notifying them that XXXX XXXX and The Bureaus is reporting incorrect information which is lowering my credit score. I sent them a letter from the Dept of Treasury where I worked for XXXX as an an employee informed me that my account information has been breached. This was caused by a cyber attack and my personal information was stolen. XXXX and XXXX removed the information but Experian has not. In my opinion Experian is affiliated with XXXX XXXX and The Bureaus because they refuse to remove this incorrect information. I never had an account with the Bureaus or XXXX XXXX. This incorrect reporting has been going on for years and my credit score keeps decreasing with this agency
Consumer complaint received 2020-12-30
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)

On our about XX/XX/XXXX a collection from XXXX XXXX  for XXXX was reported and placed on my credit file. The original creditor was XXXX XXXX XXXX. 
On or about XX/XX/XXXX I solved the problem with XXXX XXXX XXXX and XXXX XXXX XXXX contacted XXXX XXXX  to have the collection deleted from my credit file. The account should have never been sold to a collection company. On or about XX/XX/XXXX XXXX XXXX  issued a record of deletion to all 3 major credit bureaus. XXXX  and XXXX  deleted the file but Trans union did not. Trans Union is reporting a paid collection which is incorrect. I did not pay anything, the XXXX XXXX XXXX XXXX collection amount was the value of cable equipment I returned in XXXX. They lost record of the returned equipment so when I contacted them they immediately found the equipment by serial number and apologized to me for the error. I never owed XXXX XXXX XXXX money and I never paid anything. I have explained this to Trans Union over the phone and in writing. XXXX XXXX  tells me that if Trans Union were to contact them they would verify they sent a record of deletion. I requested a full investigation 3 times but Trans union continues to report the collection as paid and verified.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX my debit card was declined when trying to pay at a coffee shop, upon accessing my bank account online I saw that my account was blocked. I later called citibank and they said they are closing my accounts and no longer wish to do business with me and that i will receive my money back within 60 business days in the form of a check and they refused to provide any further details on the matter.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I think FCRA XXXX requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

Upon expiration of my rental lease with XXXX XXXX  formerly owed by XXXX XXXX XXXX XXXX ( now known as Mode apartments ) in XXXX Maryland, i was sent a bill that I owed {$140.00} for parking and utilities for the following month ( I was no longer a tenant ). The issue was resolved after I complaint to the leasing office and it was rectified showing me a bill with all accounts zeroed out. 

However a few days ago, I received notification that the same amount was sent to Hunter Warfield debt collection agency and my XXXX XXXX was severely affected. I reached out to the leasing office and was told they are now under new management so they can not help me. I also reached out to XXXX and was told they can't help me because it is no longer their property. 

Now I have a false debt, a XXXX XXXX that has been downgraded affecting my ability to secure finance for other projects.
Consumer complaint received 2020-03-04
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. (MS)

There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (MN)

I have a dispute with a fraudulent charge on my Wayfair Citibank credit card. I submitted the dispute and closed the card. They determined I was responsible for the charge. In the documents they sent me informing me I was responsible it included documents from the merchant where this purchase was made. In the evidence it shows it was not me who made the purchases. It was a different name and different address. The evidence is clear that the card was stolen and even shows the information of the person who committed the fraud against me. I have made many attempts to resolve this with Wayfair Citibank credit services and they continue to bill me for this fraudulent charge.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2022 - I purchased with a merchant using my Navy Federal Debit card. When I received the item from the merchant, it was not as described and did not work for me, and I reached out to the merchant and asked to return it. The merchant agreed that I could return the item for a full refund once they received the item. I sent the item back with the merchant return label, and they received the item back in XXXX but did not provide my refund. I called Navy Fed and disputed the charge, and a temporary credit was given for the {$100.00}. Now, I received an email from Navy Fed asking for more details, and I provided the email from the merchant stating they received the item back. However, Navy Fed has sent a letter to me saying they have found it not in my favor and have removed the credit from my account. I have called NFCU asking them how they are removing the credit from my account when the email clearly says the merchant received their item. NFCU is not protecting me as one of their customers and has not done a thorough investigation because if they did, they would have been told by the merchant that they had received the item back.
Consumer complaint received 2020-03-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (TX)

Im writing in regards to Paramount Recovery having multiple derogatory marks on my credit for the same exact charge. I would like a validation of this alleged debt. Im not even 100 % sure from whence this originated. I have not received anything in regards to how to contact them, and it is not very clear how to file a complaint and/or dispute any charges on their website. Ive read various complaints about how notorious they are for trying to collect multiple times for the same amount. I demand that this be investigated! This feels like a scam and it has caused extreme detriment to my creditworthiness, and I have been charged astronomical interest rates as a result. I need this fixed ASAP!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to file a formal complaint against TransUnion for violating my right. I have challenged the validity of the reported public records ( XXXX XXXX 's ) they not accurate and does not belong to me. I sent documents of proof several times, each time they said it was verified as accurate, but said they could not disclose their method of verification. They are demaming my character and my financial situation and can not provide me with the source of their information. That is illegal. My next step is to file a federal lawsuit against TransUnion. This will be my 5th time requesting that they remove this information from my public records
Consumer complaint received 2022-12-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On the afternoon of XX/XX/2022, an unauthorized individual made a fraudulent cash withdrawal {$2000.00} from my saving account at " Capital One Bank '' in New York. I called the customer service for transaction dispute on XX/XX/2022 and the representative told me the case would be investigated within 5 business day. After the first call, I have been calling customer service at Capital One Bank several times. The representatives kept me on hold for a long time and kept saying the case is under investigation and no more updates provided. I have sent the customer complaints via CFPB on XX/XX/2022. Finally, I received an official letter from Capital One bank by the end of XXXX and I wrote an email with the proof of being out of the country during the transaction back to XXXX who is taking care of the case in Capital One bank in XXXX. It has been over 4 months since the fraud withdrawal happened in XXXX and I haven't had any further notice from Capital One bank any more.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

XXXX ( Professional Recovery XXXX ) calls my cell phone approximately two dozen times, if not more, monthly. When I answer the call, they ask to speak to " XXXX XXXX ''. I ask " Why? '' I will not bore you with the rest of the verbal sparring, but I always tell the person calling that their company is harassing me and is in violation of Federal laws and regulations governing their actions and practices. I close with, " Do not call me again, '' and hang up. ( I also have informed them, repeatedly, that they are legally time-barred from contacting me and/or pursuing any sort of collection efforts. ) They had not tried to contact me in about two weeks until last week. I recall that there were 3-4 attempted calls during that week and there have been 4-5 this week, including today. In most recent cases, I have blocked their phone number after disconnecting their call. 

I can not document all their calls except that I believe I could access the dates and times of these incessant calls from my call history from my provider and provide a list of all their phone numbers that I have blocked, to date. 

IF, there is any unpaid debt, utility bill, etc., in my past, these are long gone. I monitor my credit regularly. I only have credit today because I was patient and waited to begin rebuilding my credit history after a lengthy period of time had passed to allow entries such as collection accounts, etc., " fall off '' my credit history. 

If you look at my credit reports today, all you will see is that credit card payments and installment loan payments are " paid as agreed '' and that, in trying to reestablished my credit worthiness - no collections, no tax liens, no judgements, of any kind. 

I have no idea what supposed debt they are illegally attempting to coerce me to settle and do not care what their tenuous position is. When they ask if " Is XXXX XXXX available? '' I ask. " From what company are you calling? '' and " Why do you want to speak to that person at this number? '' They do identify the company, but they will not give me any further information as to the reasons for their annoying, illegal harassment of me unless I confirm - by stating the information - in response to questions such as, " What are the last 4 digits of your Social Security number? '' Or, " What is your address and phone number? '' I lived in XXXX, TX, from late XXXX XXXX to mid-Jul XXXX and in XXXX XXXX, LA, from mid-Jul XXXX to early XXXX XXXX. I have lived in XXXX XXXX, HI ( on the Big Island ) from Father 's Day, XX/XX/XXXX XXXX until now. I have lived at my first address since mid-Nov XXXX until now, about XXXX years at the same residence. 

Please contact me if you have any questions about this narrative. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2022-12-24
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. (NY)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-14
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-06-08
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. (KY)

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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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