davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is an addendum to complaint XXXX. 
Initially when I called Experian to complain ( my 1st complaint ) about my report and FICO score they said I would n't be charged {$19.00} which was showing as pending when I made the call on XX/XX/XXXX Experian charged my account anyway. I called once on XX/XX/XXXXand another time the week of XX/XX/XXXX to ask them to remove the charge again. The second time they said just ask XXXX XXXX to remove the charge. I said if I do that I am reporting it as fraud. You made the charge for the month of XX/XX/XXXX after I cancelled the account in XX/XX/XXXXand you agreed not to charge me. Experian reluctantly agreed to remove the charge. By XX/XX/XXXX the charge still was not removed ( 2 months after it was charged ). I reported it to XXXX XXXX who removed the charge on XX/XX/XXXX and sent me the attached letter. Obviously Experian ca n't be trusted to correct their own simple billing errors. As I said in my previous complaint : Experian should stop worrying about their sales of credit cards and products and fulfill the job of a credit reporting agency fairly. As the Experian reps told me - Experian has no control over their credit reporting agency, the policies and procedures of their agency, the credit reports they produce, or the FICO scores their agency produces that affect millions of consumers ability to get credit at fair rates based on their credit score and credit reporting history. Experian should step out of the primary credit reporting and scoring company until they can get their act together. Because if this happened to me it has certainly happened to hundreds of thousands if not millions of others. XXXX who has none of these problems should take the lead as primary credit reporting agency for the sake of millions of consumers who need fair and accurate credit reporting and credit scores.
Consumer complaint received 2022-05-05
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 (AZ)

In accordance with the fair credit Reporting act, XXXX Account Capital one has violated my rights on XX/XX/2019 for the amount of XXXX dollars. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Capital One did not take this procedure.
Consumer complaint received 2021-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been trying to submit my information to XXXX, XXXX  and Transunion and have not been able to get them to properly update my file according to federal law.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX
Consumer complaint received 2022-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (FL)

I have sent letters asking to verify information on the account because it is being reported in accurately. I've asked to verify date of alleged delinquency, verification of the assigned collector, the amount, and date of charge off. 
A letter was sent and received by National Credit Adjusters on XX/XX/2021. Thirty days passed and I did not receive a response. They continued to report to all 3 credit bureaus. I sent another letter which was received on XX/XX/2021. I asked them to remove my account since the have failed to validate. 
I received no update nor response as they continue to report on my account incorrect information.
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MA)

In XXXX as a brand new XXXX, I was approved for the XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I used the card for 19 years with excellent payment history ( I owed {$5500.00} ), until I became incarcerated at the end of XXXX. My final bank-auto-payment stopped not long after, because my wages were stopped and I couldn't reach all my creditors except the ones that reached out to me in prison. I never got any CORRESPONDENCE from XXXX from XX/XX/XXXX to my release, XX/XX/XXXX. In XX/XX/XXXX I found out from the IRS that my 1st and 2nd stimulus checks were garnished by XXXX, I called XXXX and was referred to Transworld Systems Inc, who told me the US Treasury gave them {$1700.00} of the {$1800.00} ( minus admin fees ) on XXXX XX/XX/XXXX. I never got any CORRESPONDENCE from the Treasury Dept either. The TSI representative also stated that I now owed {$15000.00} with 15 % interest accrual per each {$1000.00}, per month, but if I requested for hardship consideration, they will send me a Statement of Financial Status. I later asked why wasn't the debt forgiven after seven years and it's no longer on my credit reports, and the lady said that XXXX do not forgive debts and it will be back in my credit reports soon, in collections. I received their first letter with the Statement of Financial Status, late XXXX, dated XX/XX/XXXX. I decided to consult a Pro-Bono attorney from the XXXX XXXX XXXX XXXX and later worked with a XXXX XXXX volunteer who researched the issue and found, 1. Its unlawful not to inform or attempt to collect from the debtor before putting a lien on his or her XXXX. - I was at a XXXX XXXX facility for six years before transferring to a Federal establishment, I was reachable. 2. The US Treasury Dept must inform the debtor of their action upon garnishment. - I sent an IRS Change of Address forms upon release to the XXXX  XXXX  that the federal prison released me to. In both instances, I was reachable, and I was in the hands of the US government. 

I first requested my {$1200.00} stimulus, XXXX XX/XX/XXXX via XXXX, as instructed by the IRS, and I sent it via Certified Mail. I waited and waited, until the IRS re-instructed that this time it must me claimed as a XXXX tax refund which I did again but at this time, the second stimulus was added to make it {$1800.00}. 

I also asked TSI for a complete debt profile from the beginning of this debt to now, but they say that process will take 30 days, I haven't gotten that yet. 

The reason I couldn't work any financials with them is because I'm currently XXXX with XXXX  XXXX  since my release, so I have no income. I tried my hand at temp-work for 2-1/2 months, but that only aggravated my condition, so I'm currently XXXX  and living at a VA XXXX XXXX XXXX XXXX while receiving treatment.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

My payment is due on the 4th. I paid on the 4th. They are saying it was the 5th. My account on their site shows I paid on the 4th. They charged a late fee on the 3rd before it was due. I went to XXXX XXXX and paid off my account per the manager a week later. Comenity is saying I owe the late fee and finance charge and my account was not paid in full. I shouldnt have a late fee because they charged it before the due date per their website and it shows I paid on the 4th. The due date. They are ripping people off.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

CFPB XXXX XXXX XXXX  CASE XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Wi XXXX Date of Birth : XX/XX/XXXX SSN # : XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX CARD SERVICES XXXX Once again ; This is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, XXXX XXXX
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-03-14
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: FIRST NATIONAL BANK OF OMAHA (IL)

On XX/XX/22, there was an unrecognized and unauthorized charge in the amount of {$79.00} on my FNBO business credit card from the third party merchant, XXXX XXXX. I contacted the merchant right away to report the transaction. The representative advised that I would need to request a refund from the person/ company who received the payment. I was provided instructions on how to go into the app to request the refund from the person/ company. After sending the request for refund, I immediately received a notice that the person/ company had declined the request. I advised XXXX XXXX of the matter at which time I was told that there was nothing that they could do because they are a third party merchant. They suggested that I contact my credit card company for assistance. I contacted FNBO to file a billing dispute for the fraud transaction. After a month or so of filing the dispute, I followed up with FNBO only to be told that there was nothing that they could do either.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XX/XX/2021 Date Opened I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute to Experian, XXXX and XXXX regarding a late payment on my XXXX XXXX Account. The dispute was submitted on XXXX XXXX and continues to come back verified. Each creditor is in violation of the XXXX,. At this time the item continues to report the account as XXXX  days late in the year of XXXX.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I received a call from ( XXXX ) XXXX which showed on my called ID as Wells Fargo. 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 
Later that same day I went into my local Wells Fargo branch to ask whether the phone number I received the earlier call from was a Wells Fargo number. An employee by the name of XXXX confirmed that it was. 

On XX/XX/XXXX I received another call from ( XXXX ) XXXXWells Fargo . 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 

On XX/XX/XXXX I received a third call from ( XXXX ) XXXX/Wells Fargo . 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 

Wells Fargo failed to block my account to protect me from further fraudulent activity despite the assurances made during all XXXX calls. 

Wells Fargo was unable to stop the transactions or recall the wires as the beneficiary banks reported there were no funds available to return. 

Wells Fargo has denied my fraud claim because they determined that the transactions were requested using my Username and Password and completed using a One Time Passcode which was sent to " my '' phone. I did not request the transfers nor did I ever receive a passcode. 

On XX/XX/XXXX I requested in writing copies of all records relating to the fraudulent transactions ( which is my right under FCRA ) including the phone number the One Time Passcode was sent to, the type of device ( XXXX ) used for the wire transfers and the XXXX address of said device ( XXXX ). 

On XX/XX/XXXX I contacted Wells Fargo to follow up on this request. 
I was told by the agent XXXX that this information could not be released over the phone but would be provided by mail in XXXX days. 

On XX/XX/XXXX -still not having received a response- I contacted Wells Fargo to follow up on this request again and was told by the agent XXXX, that the request was only received on XX/XX/XXXX, and they require up to 30 days to process it. 
Later the same day I received a voicemail from Wells Fargo refusing to provide the information I have requested.
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but i just remembered i could file a report in here as i feel they are not doing their job properly and it is affecting my business and my deals as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

XXXX XXXX : On XX/XX/22, I called CitiBank to request a line of credit/credit card. I was asked if I wanted the BestBuy logo or the CitiBank logo on my new credit card. I asked multiple times what the difference was. The agent told me there was no difference. I asked multiple times if this card could be used anywhere outside of Best Buy and was repeatedly told " yes, this is a CitiBank credit card. '' On XX/XX/22, I received the credit card. It does not say CitiBank anywhere on the card, only BestBuy. When I attempted to enter it into a phone application as a method of payment, it was not recognized. There was no XXXX logo on the front of the card. I, then, called CitiBank 's credit card customer service number and spoke with another agent. This agent informed me that I had taken out a line of credit for {$2000.00} that was only for use with Best Buy. I informed the agent that my verbal consents to the agreement, when agreeing to receiving the card, were made to agree to a standard CitiBank credit card, not an in-store only Best Buy card and that the agent who completed the agreement with me via the phone on XX/XX/22 was deceitful in telling me this was a regular credit card and that they would have this call recorded. I requested a replacement card for the card I had originally agreed to and was told by this agent that would not be possible. I then requested to speak with the management team. Once on the phone with CitiBank 's management team, I informed the female agent of the situation and requested that the credit card I verbally agreed to on a recorded line be issued to me ; I never agreed to this type of line of credit. The agent reported all I could do was close this card, which has a balance, and wait 1 week to apply for their XXXX card. Otherwise, there was nothing she could do and I am left with a line of credit that I did not agree to and she would note my complaint. The agent also stated that nothing would be done to correct this deceptive tactic and provide me the card I agreed to. This card was issued using deceptive practices, I do not need a line of credit for {$2000.00} for Best Buy, nor would I ever have agreed to these terms, and this was not the product I legally agreed to via verbal contract on a recorded line.
Consumer complaint received 2022-05-05
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. (PA)

My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report as soon as possible. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collections Practices Act Law 111-203, title X,124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2022-05-05
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. (PA)

My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report as soon as possible. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collections Practices Act Law 111-203, title X,124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2021-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.