davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the fdcpa please look into this matter
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

This involves two checking accounts custodied at Wells Fargo Bank. My wife and I were the account holders on both accounts. 
I received a call from someone who purported to be from Wells Fargo fraud department. 
This person turned out to be a fraudster. The fraudster asked me to transfer funds from our Wells Fargo personal checking account to our Wells Fargo business checking account using XXXX. The personal checking account was attached to my XXXX profile ( my email address and phone ) and the business checking account was attached to my wife 's XXXX profile ( my wife 's email address and phone ). I complied because it just appeared to be a transfer from one of our accounts to the other. 
The funds did not go to the second account but to an outside account at XXXX XXXX because the fraudster and in someway hijacked - that is broken through the security and rerouted- the XXXX profile. I did not give the fraudster and usernames or passwords. The breaching of the XXXX profile apparently was set-up ahead of time. 
I also transferred some funds in the other direction - from the business acccount to the personal account. They were also intercepted. The amount of the loss was XXXX XXXX XXXX dollars. 
Within an hours time I realized something had happend I contacted Wells Fargo fraud department. The agent reviewed the transactions and filed a fraud claim. After two weeks " investigation '' Wells Fargo denied the claim. I appealed the claim and the appeal was denied. The only informaton that I received about the whole investigation was that " the appeal was denied because you made the transfer ''. As you may know, XXXX accounts are setup exclusively through banks or other institutions. My XXXX account was created on Wells Fargos website and I had no relationship or contact with XXXX that was not through Wells Fargo. The security breach that allowed the highjacking of the XXXX transfer was 100 % thte fault of Wells Fargo and XXXX. 
Futhermore, these were supposed to be federally insured accounts.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sequium Asset Solutions, LLC (FL)

1 collection accountTotal balance : {$810.00} SEQUIUM ASSET SOLUTION Original creditor : XXXX XXXX  {$810.00} Balance updated XX/XX/2021 What happened? 
The dispute for the account with SEQUIUM ASSET SOLUTIONS that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : SEQUIUM ASSET SOLUTIONS Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX GA XXXX I have XXXX never would use XXXX. I live in Florida have not been to Georgia.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I'm needing assistance with retrieval of my funds from venmo. I did a transfer from XXXX XXXX and there are two different transactions on two completely different days that absolutely don't show on venmo and I never received my funds. I contacted the multiple times by email and phone to try to rectify the matter and they are extremely rude and unwilling to assist me. I had no other choice but to contact you to mediate this matter. The first transaction is on XX/XX/XXXX at XXXX for {$140.00} the retrieval number is XXXX. The second transaction is on XX/XX/XXXX at XXXX p.m. for {$30.00} the retrieval number is XXXX I am not a wealthy individual and I have literally been emotionally affected by this matter. My money being held and being mistreated when I am in need of my money. I will be contacting an attorney to see about pain and suffering that I have endured
Consumer complaint received 2021-12-23
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. (MD)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (IA)

I verified my information with them last week ( Thursday XX/XX/XXXX ) and told them that the account would be paid this week. They acknowledged all of this. They then called a relative to try to find me even though they already knew my information and I had verified it with them. Since they already had this information, verified by me, they had no right to do this, and I consider it harassment, and it is specifically in violation of the Fair Credit Reporting Act to contact a relative for any reason other than the already confirmed information. 

On top of that, and the main reason I am filing this as a complaint, is that the calls came today ( Wednesday XX/XX/XXXX ), after I used their online portal to schedule an online payment for Friday XX/XX/XXXX for the full amount of the debt yesterday ( XX/XX/XXXX ) as agreed upon with them previously, so they are harassing me for a debt that has already been settled, again, in violation of the fair credit reporting act. 

Attached is the email confirmation of the payment, along with the call logs from my relative 's phone dated after the scheduled payment acknowledgement.
Consumer complaint received 2021-12-23
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. (KY)

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft report. I fully authorize this notice and compliance. I have also mailed the respective CRAs my Identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DC)

At the end of XX/XX/XXXX I requested that my payments made during the pandemic be refunded to me. I was told that my request was being processed. On the phone I requested the full amount of {$2000.00} and was told that they would submit the request and the department of the treasury would send a check. In XX/XX/XXXX, I received a check for {$370.00}. I am still missing {$1600.00}. In XXXX my loan servicer was changed to Mohela due to my eligibility for the public service loan agreement. After not seeing my missing money for months I contacted XXXX last week and they told me that a request was not made and that I have to go through with this process all over again with Mohela. When I contacted Mohela, they told me they couldnt look at my loan requests and that I had to contact XXXX.In XXXX, XXXX I recieved a second check. This time it waw from Mohela for {$370.00}. After calling them for months, I was finally told that I couldnt receive the remaining funds because I paid off a loan. In XX/XX/XXXX, I contacted XXXX and in XXXX they told me that Mohela gave me wrong info and that I in fact would receive the remainder of that balance as a check. Unfortunately I was also told they couldnt give me an estimate of when so I am very much in the dark on this process and need help. It has been a year and a half since my request.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CO)

I have received a letter from wells Fargo saying that there was some issues with some accounts on their end and i had contacted them plenty of times letting them know that because of their mess ups with taking too much out of my account evert time I paid a bill or took money out at the atm is the reason why my account was off balance and I ended up being behind on my car payments which ended in my car being taken and i only had two payments left. I have contacted them by phone and went into DIFFERENT BERANCHES AND THEY DO NOTHING TELL ME ITS HOW THEY CHARGE ALL CUSTOMERS. ALL TOGETHER I LOST OUT ON {$8400.00}. THATS INCULDING THE LATE FEES, THE OVERDRAFT CHARGES, I EVEN GOT CHARGED WHEN I USED THERE ATMS TO TAKE MONEY OFF AND THEY ALWAYS SAID ITS A COMPUTER MISTAKE AND IT WILL BE FIXED BUT NEVER WAS. please HELP ME i HAD AN ACCOUNT WITH THEM FOR 4 YEARS I OPENED IT XX/XX/XXXX AND CLOSED ITXXXX XXXX XXXX. I ONLY RECIVED A {$5.00} CHECK FROM THEM AND THATS WHY I CONTACTED YOU GUYS
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CA)

I am unaware of this debt. I am not sure who it is or what it is for. I received notification of being in collections on my XXXX credit report. I have never received any letters, or phone calls to verify this debt. I was completely unaware to dispute and I have never heard of this company.
Consumer complaint received 2019-11-27
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. (OH)

the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX  Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX  XXXX  opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (WA)

Dear Sir/Mdm : This is to complain about Western Union ( Western Union XXXX XXXX XXXX, XXXX, CO ) money transfer. I have submitted transfer number XXXX from US to XXXX. The destination addressee was not able to receive my money. I have sent a claim to Western Union, however Western Union has never responded.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

I had a deposit of {$1000.00} go through this morning at XXXX AM. I went to go use my card in the morning and it said declined tried again same thing. When I got to work I called my local branch they said that there may be a soft hold on it in fraud department and to call customer service. After spending over XXXX hours on hold Im being transferred I finally got a hold of the fraud department. They stated that they could give no further information and the car would be disconnected and hung up on me this happened twice in the matter of XXXX hours. I went into the local branch in person to verify my identity and to see what was going on. They allowed me to call from their phone in hopes to get a hold of the fraud department sooner. They didnt fact answer in that department however I received the same treatment your account is being referred to be closed we have no further information and this call will be disconnected and hung up on me. Ive looked at my account and theres no fraudulent activity, I have verified all my identification over the phone and in person multiple times today. I just called customer service again this gentleman did not hang up on me but he did say it was referred to be closed as of yesterday and a letter was sent yesterday. So if thats the case then why did my XXXX dollar deposit go through today. Now they account Is being referred to be closed and no withdraws or deposits can be made you know of course other than the XXXX dollar deposit they allowed to go in this morning. I have no access to that money no gas in my car no groceries, and I was told the letter would be sent to me and then there was no way I could get that money out in the bank and take 30 to 60 days to actually close the account at which at the end of the 60 days a check will be mailed to me for that amount {$1000.00}. I dont understand why this is happening as no one can tell me in person or on the phone and I need my money. This is very frustrating especially this time of year.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-12-23
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. (NC)

Experian is not reflecting my 'correct ' credit score I was the victim of identity theft that nearly bankrupted me back in on or about XXXX of this year. 

I complied with all the steps given here at your site for victims and yet ended up having to file complaints with the FTC as well as the FDIC. 

When applying for a reapproved CC they emailed me with my Experian Credit Score which is more than XXXX and XXXX points lower than it is showing on the Experian Site. 

I am without any doubt this is a continuation of my identity theft. 

I am requesting that Experian correct this info immediately.
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THE REPORT. 
I AM A VICTI OF IDETITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISION 'S IDENTITY AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-23
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. (MD)

I recently reviewed my credit report and noticed some unauthorized accounts and inquiries. I since then contacted the company and was told what documents that needed to be provided to remove the unauthorized items. I have provided those documents but the accounts and some inquiries still persist. I am a XXXX veteran and I am trying to purchase my first home and would love this to go away fast.
Consumer complaint received 2021-12-23
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. (NV)

I do have any contracts with this company. The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I have also sent letters to TransUnion over 30 days ago and have not received a reply or response. 
I have spoke to an agent and I was told that these items would be removed from my consumer report immediately and they still remain on my consumer report. This company has violated my right to privacy and multiple other violations. 

I am protected by the ( FCRA ) Fair Credit Reporting Act ( Right to Privacy as a consumer ) 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave this company any written consent to report or furnish anything to my consumer report. 

15 USC 1692- I am the consumer and the original creditor I am not obligated to pay any debt, I do not owe any debt 15 USC 1681 ( a ) ( e ) - States that you have to interview my family, my neighbors, or any of my associates to verify any account on my consumer report which this company did not do 15 USC 1681e ( b ) - You shall follow reasonable procedures to assure maximum possible accuracy of the information on my report.

They have not complied which is another violation of 15 USC 1681n ( a ) ( 1 ) ( a ) which makes them liable in the sum of up to {$1000.00} for each damage you are causing in my life pertaining to my consumer report Any person or company gaining or gathering information from a consumer pertains their consumer report is doing fraudulent business and can get prison time and anyone involve with another company other than the consumer Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc. (AZ)

My account was hacked on crypto.com the hacker charged my bank over 300 dollars and stole all my crypto except the crypto that was in crypto earn it was locked for 3 months! I reported the incident right away called my bank and reported the fraudulent charges and waited weeks for crypto.com to investigate! They finally got back to me and said it was my fault even tho I had every security measure they offered 2fA with facial recognition and being texted a code when I log in! The hacker changed everything to euros sold all my crypto tried to charge over 300 to my bank in new charges and transferred everything to XXXX gift cards in euros and sent them to themselves! Now crypto is refusing to release what crypto I have left and said I must call my bank and to undo my fraud complaint to release my crypto back to me! Ive repeatedly tried to talk to a manager and they refused to do anything! So not only was I robbed but they refused to let me transfer what little crypto I have left and close my account!
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today XXXX on XX/XX/2021 I contacted TransUnion Credit Report Agency about my credit score. I ask why I couldn't see my credit score when I login to my account. The reply was you need to pay to see your credit score. I responded by saying XXXX and XXXX you don't have to pay. They again said pay a fee and get it. I told them that I am not paying for something that the other 2 agencies are giving for FREE. I told them to get with the program and send my request up the chain of command.