davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX City, State, Zip XXXX XXXX XXXX PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/24, I used Venmo to put a hold on a XXXX  XXXX item, which turned out to be a scam. I have reported this scam to the FTC. On this same date, when I realized I was being scammed, I stopped payment on the Venmo request with my bank. I also removed all payment accounts linked to Venmo. On XX/XX/24, I received an email from Venmo that they had covered the funds, on my behalf. I called Venmo and spoke with an account representative and they said, per their User Agreement, I was liable for the funds. I am in dispute with Venmo as they provided payment to a different user profile than I originally sent funds to. In other words, the scammers changed their profile name from what I used to something else in a matter of minutes. And in fact, there is a third name that Venmo honored, as discovered on my Venmo history. Three profile names for one transaction is highly suspicious in my opinion. My complaint is that Venmo should not send payment to a User Name that does not match up with the initial User Name request. I also believe Venmo should have reached out to me with the inconsistencies in the transaction before paying it. Venmo apparently uses another payment ID that as a User I am not able to readily find. Venmo has currently frozen my account and has requested I repay them for covering the transaction. I can provide the Transaction ID number for further review.
Consumer complaint received 2022-05-19
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. (CA)

An accordance with the Fair Credit Report act XXXX  Account # ( cant find ) has Violated of my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 ; it also states a counsumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-19
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

So on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 52 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 50 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the Eqiufax data breach possibly gotten into the wrong hands of someone who is not me!
Consumer complaint received 2021-11-13
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: CNG FINANCIAL CORPORATION (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

Opened an account on XXXX. Deposited XXXX dollars. Accessed the mobile app fine and setup direct deposit with my employer. I logged in to make sure my direct deposit made it in the account and it said my mobile banking was locked. I called the number provided and they said I would have to drive XXXX miles to the nearest branch to get access to my account.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NJ)

I applied for the credit card on XX/XX/XXXX based on the promotion info provided on my flight and the information on the application. It clearly states that I will receive XXXX miles after my first purchase which was made on XX/XX/XXXX and I paid my balance on XX/XX/XXXX. 
I called the bank on XXXX and was told that I will not receive the miles until XXXX weeks after my purchase. 
The promotion to give me XXXX miles was deceptive. No where did the info state that I had to wait XXXX weeks after my purchase.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Id like to open a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It appears they Im not the only client having ongoing troubles with this credit card company. There are multiple open complaints on them through XXXX XXXX XXXX. I paid {$120.00} in XXXX to make my account current they promised a new card. XX/XX/XXXX they advised I was current but said they they received a request for an address change which I had not made. XX/XX/XXXX they reported a second fraudulent account then closed it but then opened it added remarks and closed it with remarks that Im not privy to which tanked my scores. Now I cant reach customer service and still cant dont have a card and cant access online services. And theyre now requesting {$80.00} to bring my account current. This seems very fraudulent and rather illegal
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM XXXX  Balance {$710.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX EQUIFAX EQUIFAX DISCLOSURE DEPARTMENT XXXX XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (MO)

On XX/XX/XXXX I called and made my automatic payment for my target Mastercard the system stated my total balance was XXXX which is what I paid in full. Well days later on XX/XX/XXXX I received a email with another balance of XXXX. So I called because I thought I was paying my credit card off in full. I called customer service with my concerns and the representative stated they are aware the misconception and they are trying to fix it. Completely unacceptable.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX  Credit Bureau is reporting inaccurate information on AD ASTRA REC. Per FCRA, reporting must be 100 % accurate or the information must be removed. Asses this reporting by making a revision of the information provided. Change and perform any corrections or eliminate this from my personal file.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.
Consumer complaint received 2021-11-13
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)

Account was discharged through Chapter XXXX XX/XX/XXXX but still reporting XX/XX/XXXX, XX/XX/XXXX which is reaging account over a year and should be paid current status and not derogatory. I have repeatedly tried to fix this error with all 3 bureaus and the XXXX XXXX XXXX with no success.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on FIRST FEDERAL CREDIT C XXXX Balance {$2100.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-12-16
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-24
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: EQUIFAX, INC. (FL)

In XX/XX/XXXX, I have tried to access my credit report online. When I try going through the verification process, Im presented with a number of questions that does not apply to me. After answering the questions and imputing the correct answers from my credit report, Im told the information that Id enter doesnt match the record Equifax has on file for me. This problem is only with Equifax. I contacted Equifax and they told me the computer only generate questions thats on my credit file. I explained to them that, thats impossible because none of them applied to me or my credit file. They offered to send out a free credit report to help me answer the questions in the future, for when I try again. I received the report and tried again in XX/XX/XXXX. When trying to verify my identity through Equifax, Im told it doesnt match their records. Despite me going by exactly whats on my credit report they sent. I contacted Equifax and was told they will send out a new report because the information may have changed. I received the new report that had the same exact information as the first report. I contacted Equifax once again in XX/XX/XXXX. I was told they are not able to do anything about it because the computer is the one that generates the questions. I repeated the same process in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no solution or any corrections. There is inaccurate information on my credit report that Im not able to dispute because I dont have any access and the computer generates questions that does NOT apply to me nor my credit file, AT ALL!
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (WY)

On XX/XX/29 I received a text message from Wells Fargo fraud Dept supposedly. Saying Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$1100.00} Reply YES or NO Or 1 To Decline Fraud Alerts. I replied No. and immediately started to receive a phone call from Wells Fargo. After answering, they said they were so and so from Wells Fargo fraud Dept and there was some suspicious activity on my account. They wanted to verify some charges. They named off a couple of XXXX charges and then the XXXX transfer of {$1100.00}. The XXXX charges were fine but the XXXX charge was not. I dont even know what XXXX is. He started to tell me that he was going to send me verification codes to cancel my debit card, remove phone numbers and email addresses from my account that were added that morning, and also the person added to the account trying to receive the wire transfer. I was on the phone with this guy for about an hour. After the last code I gave him, the phone disconnected. I then waited about 15 seconds and the logged into my mobile app and thats where I verified that {$8500.00} had been wired out of one of my savings accounts via XXXX to some XXXX XXXX at a XXXX XXXX XXXX XXXX. I immediately called Wells Fargo fraud Dept. Was on hold for about 30-45 minutes before I was able to get to someone. They opened a case and told me they would have 10 days to investigate the fraud claim. They told me that while I was on the phone with this supposed Wells Fargo fraud Dept employee, he had someone else on the other line feeding Wells Fargo the verification codes I was giving him to authorize this wire transfer via XXXX. I did have a missed toll free call while I was on the phone with the scammer. About an hour after I got off the phone, a voicemail came theu stating that it was XXXX from Wells Fargo trying to verify a wire transfer I was trying to make. I just got a letter in the mail from Wells Fargo stating that they will not refund my money because I or someone with my username and password authorized the wire transfer.
Consumer complaint received 2021-11-13
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: TD BANK US HOLDING COMPANY (CA)

Account was discharged through Chapter XXXX XX/XX/XXXX but still reporting XX/XX/XXXX, XX/XX/XXXX which is reaging account over a year and should be paid current status and not derogatory. I have repeatedly tried to fix this error with all 3 bureaus and the TD Bank Target with no success.