davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
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. (DC)

n accordance with the Fair Credit Reporting act XXXX  Account Equifax Mortgage Solutio XX/XX/2021, 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 an account without my written instructions
Consumer complaint received 2022-05-22
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. (DC)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX XX/XX/2021, 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 an account without my written instructions
Consumer complaint received 2023-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

53 Bank filed a late payment on my credit reports by mistake. In XX/XX/2023, My wife called to make a payment with the bank ( our truck loan ) as usual and was told she was good to go. In XXXX, 2023 we received a call about a late payment from the bank. We told them she made the payment and the bank reviewed the account and confirmed whoever took that payment input the wrong account information. We were told by a representative the payment was going to be pushed to the end of the loan and no other action needed to be taken and we were good. Early XXXX I started getting calls again about a late payment and I requested to speak to a XXXX for clarification. They submitted what they call a " call review '' which they pull the recorded conversation and confirm what the issue was. Today, XX/XX/2023, I was told by one of the representatives they will not fix the late payment on my credit but I can certainly apply for a hardship to get the payment pushed to the end of the loan but will affect my credit. I mentioned to the representative this was an error on their end and because the first representative didn't take the right steps to notify us about the issue initially they put the incorrect account info now we are stuck with a late payment on my credit. She mentioned the only thing I can do at this time is file at complaint with the FTC and hope for the best.
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

My minor  child ( XXXX yo ) was given access to XXXX through his minor checking checking account which I am a joint holder on. He ended up being scammed and sent {$350.00} via XXXX to a XXXX XXXX  He made me aware immediately ( while the transaction was still pending ) and Wells Fargo refused to stop the transaction and return his money. When I asked them why a minor child would have access to send money they blamed myself and my child for sending the money in the first place and blamed me for allowing him to have an online account to check his balances. Disgusting responses. I have contested the denial but they keep denying the return of his money.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A. (KY)

continues to call me ... .my job ... and my family to collect a debt. I have told her not to call my place of employment and she continues to do so and speaks to my employer and family about my account and asks if they have other contact information for me ... .this happens 3-5 times a day ... and when I have spoken to her she threatens wage garnishment and harasses me about my situation ... I 'm done!
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-18
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. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-05-22
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)

To my knowledge and records, the following accounts do not belong to me and/or are fraudulent.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.

***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please see my attached dispute letter, Id, and fraud affidavit.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/2017
Consumer complaint received 2024-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

On the XXXX of XXXX, I transferred {$XXXX} from my XXXX  account. The amount was never deposited in my bank account. XXXX  claims the transfer was completed on the XXXX of XXXX. Today is the XXXX of XXXX and I am still waiting for the money to be deposited in my bank account.
Consumer complaint received 2022-05-22
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. (TX)

To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please see my attached dispute letter, Id, and fraud affidavit.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid 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: DISCOVER BANK (CA)

On XX/XX/2022, I bought {$200.00} XXXX gift card using my Discover CREDIT card. 
When I tried to use it, the barista at XXXX said the cards had {$0.00} balance. I contacted XXXX and they kept giving me a turn around. They said someone would email me regarding the result of investigation. Then I got an email from XXXX saying I needed to call to have the matter looked at. Then it went back and forth for several times without a solution. So I contacted Discover asking for a charge back ( that was what credit card customer service was for : to assist customer with situations like that ). Discover said they could not help any situation involving customers and merchants ( even though the customers were cheated ). 
Card number XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I received an alert from Experian that a collections account appeared on my credit report. I filed a dispute with Experian on XX/XX/XXXX that the account was not mine. I also contacted the collection agency and provided them with information that the account was not mine. On XX/XX/XXXX I received an update on my dispute from experience that confirmed the account was mine. I immediately called the collection agency and they confirmed with me that they had closed the account as not mine and had notified all three credit reporting agencies on XX/XX/XXXX that the account was to be pulled from my report. I reported to them that experience had closed my dispute after confirming, the account on XX/XX/XXXX with the collection agency. The collection agency confirmed that they did not receive any request to confirm the account from Experian and would not have been able to on XX/XX/XXXX as reported by experience as the account was closed. The information provided by the collection agency was confirmed with the other two credit reporting agencies of XXXX XXXX and XXXX That they had received the information on XX/XX/XXXX from the collection agency. I immediately called Experian and reported this information and was told that it takes XXXX hours to update information. I called back on XX/XX/XXXX and the information had not been updated yet and the item remained confirmed on my credit report. I was told to submit an additional dispute Which I did on XX/XX/XXXX. I have called back XXXX times and have been unable to get any updates on the status of the dispute or an acknowledgment of the information provided by the collection agency.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I'm in disagreement with the account listed below which still appears on my credit report, even after being investigated. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send a updated copy of my credit report after the reinvestigation.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I'm the most recent victim on Chime Financial Inc. 

My account has been abruptly flooded with withdrawals in various amounts totaling {$1700.00}. I contacted Chime Financial customer support about the problem, the withdrawals were continuing to hit my account throughout my conversation, with each transaction ranging between {$20.00} and {$500.00}. Even though the transactions were still pending, the chime permitted the fraudulent transactions to post in my account the following day. Now I'm completely reliant on Chime to return my hard-earned money. It's been two days since I filed a claim, and they have yet to give me with any solutions.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

Correspondence sent to first collection company : Dear XXXX XXXX ; I am responding to your contact about collecting a debt. You contacted me by phone on XXXX and identified debt as XXXX. I cancelled my service in XXXX of last year, less than one month after starting new plan. All bills were automatically paid up to my termination. I do not have any responsibility for the debt youre trying to collect. I wrote to XXXX and called them. I have copy of email cancellation, and their over billing for first eight months of service. Although they agreed to fix account instead they added more fees. They have billed me in error. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or  have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Received nothing from them but continual fraudulent credit agency reporting which I continue to dispute -years later.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BCA Financial Services, Inc. (NJ)

At XXXX XXXX  EST I received a call from " XXXX '' who identified themselves as being from BCA financial services. They said they were looking for me for some information about my XXXX year old son Believing I was being contacted by a debt collector I asked XXXX if they were a debt collector and informed them that they were legally obligated to tell me if they were. They refused and told me they could only discuss further if I was willing to " verify '' ( this is neither legal nor the case ) I refused to provide the information they asked and so the phone call ended I called the office back at XXXX XXXX  on a recorded line and explained to the person on the phone what happened and that it was illegal. The person who received my call also refused to say whether or not they were a debt collector and repeated the statement that I needed to " verify '' for them to discuss further. I verified my name and birthday which they said was incorrect ( its not incorrect I'm just not the person they're trying to collect a debt from ) I asked again on the recorded line if they were a debt collector and they refused to answer
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I was a victim of a scam between XX/XX/2023 and XX/XX/2023 and during that time I reported my concerns to Venmo and my account was then frozen. I was asked to prove identity which I did in XXXX and then made one transaction to my XXXX XXXX XXXX company. My account was then suspended and I was told I violated the acceptable use policy I asked them how and nothing was said. I then filed a police report when I fully learned the scam I was a victim of on XX/XX/2023. The police told me to reach out to the companies I had used in the process and I did and now as a result they are stating I cant use Venmo. My family was not involved and my husband tried establishing an account and his account was then suspended as well and he was in no way involved. I want to establish a new account or have my husband be able to establish an account as we use this method to pay for our XXXX XXXX and its the only payment form used.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account Number : XXXX, XXXX  XXXX XXXX  Account XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/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 2022-05-18
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: Neon Newco Corporation (CA)

Hi, I have received a credit card from Netspend opened in the name of XXXX XXXX and connected to my home address. 

I also received an application for XXXXXXXX XXXX XXXXin the name of XXXX XXXX, also at my home address. 

I am aware that my address, SSN, and telephone number are on sale on the dark net, following a massive data breach. 
Evidently someone is using my address and a series of fake names to open accounts and so on.
Consumer complaint received 2022-05-22
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: Park Hill Holdings (NC)

We were denied a housing application after incorrect information was on my credit report due to identify theft. I called to see what were the steps to dispute, I was notified to do an id theft suppress and for them to dispute the information with the courts. It has been over three weeks, when I was told that the id theft suppress would take UNDER four business days. Again, it has been three weeks. The same information was disputed through real page, and their investing only took one week compared to saferent solutions.
Consumer complaint received 2023-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing error. 
Capital one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX