davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
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 requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for. I dont know who gave you this information!
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

You are reporting negative information on my credit report which is extremely inaccurate. I have never made a late payment to your company. This is a violation of my rights of the FCRA, and I will be seeking legal action and compensation for this under 15 USC 1681. The inaccurate reporting of this account is an adverse action and a defamation of character. It has be on my report for too long. I HAVE NEVER MISSED A PAYMENT. XXXX and XXXX reflect that as well. Please correct my EXPERIAN report.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

For SIX MONTHS, the Equifax Credit Freeze web sites has not worked. Their website is broken and one of the most dysfunctional website I've seen. 

This is especially apparent on the Credit Freeze page. And, apparently, no body in their IT department is monitoring your web sites because they didn't know they had a problem with the credit freeze page. It still doesn't work and it hasn't for SIX MONTHS. On my.equifax.com, click on Freeze and you get a page saying 'we  can't complete your request at this time '. Wouldn't removing a freeze be somewhat of a priority?? 

I had someone perpetrate fraud on me years ago and since then, I've been very careful with my credit. I currently have freezes on all of my credit reporting accounts. When trying to remove a freeze from my Equifax account, we are forced to call. The number took me to a customer service office outside of the US. The login system asked automated security questions and I had a hard time understanding the computer voice as I have hearing loss. Apparently, not understanding what the choices were ( even though I had an open credit file in front of me ), it failed me. The online  representative, an XXXX, refused to identify himself further ( but after a bit of haggling gave me XXXX ) was not helpful. He could not re-ask questions. He refused to assist me even though I identified an American 's with Disability issue on hearing problems. And, especially with COVID-19 problems causing all sorts of financial difficulty, he refused on both of those requests. 

Equifax is the WORST credit bureau out of the three. The other two 's websites worked great. The President, XXXX XXXX, ignored attempts to contact him directly.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XXXX XX/XX/XXXX around XXXX XXXX  I looked at my Wells Fargo online banking app and realized the amount of money in my account was half of what it should be, and the money was not in the account I usually kept it on. I started to look at the transaction history and saw there was 3 or 4 separate XXXX  to a recipient I had never sent money to before. At this moment I realized my online banking account had been compromised. After this I started to check my email and saw my personal information for my bank account had been changed from XXXX XXXX  to somewhere in XXXX where I have never lived, and the main phone number was changed to a number I have never owned before. I called the bank immediately and opened a fraud claim, and explained everything previously stated. They told me there would be and investigation and they would call me back within 5-10 business days. After 5 days ( XX/XX/XXXX ) I called back to see if there was an update as this is a very large sum of money for me. They assured me there was no updates but once again told me they would get back to me with a phone call once they reached a decision on the claim. After 5 more ( XX/XX/XXXX ) days I once again didn't receive any phone call or email from the bank so I decided to call again which is when they told me my claim had already been closed. I asked for a superior and explained to them I had been waiting for a call back but never received it and I also questioned how they came to the conclusion of denying the claim. They told me they really couldn't give me much details about how they did their investigation and how they came to the conclusion of denying my claim. I asked for more information on the person the money in my account was XXXX  to and they told me they couldn't give me a name or phone number of the person. I asked them if there was any way to escalate this higher and prove this was in fact fraud that happened and the agent told me there was no there way to escalate this and I had lost my money. She told me I could request a call back from the bank in between 24-48 hours which I did and once again I did not receive a call back. I was also told my online banking app would be temporarily disabled so I would be able to log in when they were done with the claim but in reality the shut my whole online banking down and I am no longer able to log in my account or to create a new accounts so I am not able to access the funds in my accounts through online banking. 


When I first looked at my online banking app there was a few transactions I could see in the history in my panic of trying to get the bank to help me I did not screenshot these transaction and they disappeared the next day after I reported it to Wells Fargo, They no longer appear on my account but I am sure they have it in their records.
Consumer complaint received 2022-11-07
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. (NV)

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 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The information described in the report does not belong to me and is inaccurate. 

The credit bureaus failed to comply with the 30 day statue of limitations. 

Please remove all inaccurate and wrong information.
Consumer complaint received 2021-02-06
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 — Problem with personal statement of dispute
Company: Sequium Asset Solutions, LLC (TX)

XXXX  has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXX university was removed, ergo it stays that way. 
.
Consumer complaint received 2022-11-07
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. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXXXXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXX, XXXX Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % MORE DETAILS XXXX XXXX ( Revolving ) More Details XXXX TransUnion XXXX Closed XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTPhone ( XXXX ) XXXX
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

I was told, by an influencer that they had a big lawsuit. I want my portions, so they said to make a complaint with Wells Fargo. When I was married, money constantly came up missing and all the fees we paid.
Consumer complaint received 2020-09-29
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

1. I requested refund from Capital One Savor credit card for a flight tickets purchase of {$170.00} from XXXX to XXXX by XXXX XXXX due to covid19 that XXXX closed boarder to U.S. citizens and booked flight cancelled and we were put on a different flight 5 hours earlier. They offered one year time limit credit which is useless because the pandemic would not be over by then. So I insisted for a refund. 

2. On XX/XX/XXXX Capital One notified me the case # is XXXX and they needed more back document to continue the process. 

3. On XX/XX/XXXX, I submitted all the requested documents before the deadline of XX/XX/XXXX. 

4. I didn't hear any replies and I called on XX/XX/XXXX and I was told that no decision had been made yet and I should hear back from them very soon.

5. Up to today, two months have passed, I have not heard from them.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (SC)

Citi Bank keeps deceasing my credit card limit to the amount of money thats owed on the card. This is the third time this company has done this without any prior knowledge or consent of mine. I am not asking this company to decrease my card limits. They are doing it on their own and when I call to make a complaint about what they are doing. The reason they state is for information reported by the credit bereaus. The problem I have with that is my credit reports are frozen. And they have been frozen for years. I have not asked these people for an increase or decrease on my credit cards. I pay all my credit card bill on time. It was absolutely no reason for this bank to decrease my credit limit. I recently paid a mass payment of more than {$7000.00} on my credit card ending in XXXX and these people still decrease my credit limit to what I owed on the card ruining my debt to income ratio and lowering my overall credit score. They have done this more than one time and it needs to stop. I have not missed a payment nor given these people a reason to lower my credit limit without my consent.
Consumer complaint received 2022-10-31
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: ACIMA CREDIT, LLC (TN)

First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. ACIMA CREDIT and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. I have the right to privacy above everything. No one should have access to my nonpublic personal information. 15 USC 1681q and 15 usc 6821 talk about obtaining information on consumer from a consumer reporting agency under false pretenses.Under the FDCPA, furnishing an alleged debt to coerce payment is a violation of 15 USC 1692d ( 4 ) which the FTC defines as debt parking. There is no debt, only an attempt to collect on an extortionate extension of credit using unlawful extortionate means. Remember the evidence you provided about the account on the credit report. The document stated, " This transaction is a rental-purchase agreement ( Agreement ) with Acima or its subsidiary. This is not a loan or credit transaction. The Agreement includes a 90- Day ( 3-month, in California, ) Early Purchase Option. This Early Purchase Option may be an amount greater than the merchants sale price and not same as cash.. '' You are reporting a past due account as chargeoff status in comments in the credit profile. The account should be collection not in charge off staus as shown in the attachemrnt since you stated you will not file a 1099c form with charge off status. The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. You were supposed to receive an explanantion as to how you opt out of reporting negative information.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I attempted to transfer money from my Regions account to my XXXX account using XXXX on XX/XX/XXXX, under the impression that the funds would be available same day. After submitting the transfer, I was informed by Regions ' mobile app that the funds would not be available until next day ( XX/XX/XXXX ). After reading Regions Account Agreement,  the only exception for the funds not being available same-day ( other than for suspicious activity ) is if the Receiver has not enrolled in XXXX. The receiving account XXXX XXXX XXXX has been enrolled in XXXX for a while, and funds have been transferred to and from this account previously. 

I called Regions at XXXX and spoke with XXXX who explained that Regions does not dictate the processing times for XXXX transfers, but XXXX does. Is this true? 

I am wanting to know the reason as to why the funds are not being sent, to be available, immediately ; as Regions is holding the funds. This has caused a huge inconvenience and if I would have known the processing time ; I would have found another means to transfer the money. The notification of when the funds will be available should be displayed before the transfer is initiated.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (AZ)

I was checking my credit score and found a collections document : CREDIT SYSTEMS Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX Original creditor This is an energy company in Texas, I am located in Arizona, and I have never opened an account with this company. I called the company on XXXX, and they claimed they could not find my information. 
Upon further investigation on my behalf, I came across an email from XXXX denying a personal loan. The letter reads as follows : Dear XXXX XXXX Thank you for your interest in XXXXXXXX XXXX XXXX. 

To ensure you're always informed, we're writing to let you know that we could not approve your loan request at this time because : COLLECTION TOO FEW ACCOUNTS IN CURRENT STATUS DEROGATORY PUBLIC RECORD OR COLLECTION FILED Keep in mind, your credit score will not be impacted by your request since we used a soft credit inquiry to check your eligibility. 

If you have any questions regarding this letter, write to XXXX XXXX, issuer of the XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Please include your name, address and application number XXXX. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-09-29
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. (FL)

Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$870.00}
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received an email this morning ( XX/XX/2020 ) stating that my credit limit has decreased from {$7500.00} down to {$5000.00}. This puts the credit available at {$530.00}. I spoke with three different people at Capital One and explained how this damages my credit score and will make it impossible for me to refinance my house. I have made all payments on time for years. They said they were doing this to many people and the decision was final. They did not offer to review it or allow me to submit any type of rebuttal. This will cost me thousands of dollars over the next several years. This is also going on during the most difficult times with a pandemic going on. It is morally reprehensible and should not be allowed to happen. To not allow any sort of remedy is appalling and unacceptable. I know there are countless others who feel the same. Thank you.
Consumer complaint received 2022-11-07
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelnet, Inc. (PA)

I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report/credit. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! I have paid every single month on time but have yet to receive a respond to have this garnished off my 3 reports. Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! Please remove all request as soon as possible. Thank you!
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

Paypal permanently suspended my account by claiming that I violated their " terms of use. '' However, the terms of use are very clear, and I violated none of them. I was given a numerical code to use when calling in, but the employee who answered told me that the reason for my permanent suspension was " classified. '' At that moment, my end of the conversation was cut off, leaving the employee to ask, " Hello? Are you there? Hello? '' until he hung up. 

It is imperative Paypal clearly state all reasons -- including political -- for suspending accounts, leaving the owners in limbo, and damaging their financial reputation. My Paypal suspension apparently set off a chain reaction. Following in Paypal 's footsteps, XXXX XXXX and Venmo banned me. 

I had to confirm my identity in person to the IRS. No explanation given. 

Then my bank XXXX XXXX requested that I go in personally and confirm my identity. 

At XXXX XXXX, the branch manager told me off the record that the bank was " being pressured '' to drop me, but since I've been a customer for 40+ years, my accounts and credit card were safe. 

This all started with Paypal. If they are going to try and ruin users over politics, they need to admit it up front.