davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

Barclay Card Shut my Credit card down Without prior notice At the time they shut my credit card down I had over XXXX travelers points They can be redeemed for over {$1600.00} towards travel. after my account was shut down My rewards balance went down to XXXX
Consumer complaint received 2019-11-04
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. (TX)

Equifax is in Non-compliance with the FAIR CREDIT REPORTING ACT BY REPORTING FRAUDULENT ACCOUNTS THAT I HAVE ALREADY SENT IN A POLICE REPORT ABOUT NUMEROUS TIMES, AND ALSO HAVE SENT IN A FTC AFFIDAVIT REPORT STATING THAT MY INFORMATION WAS COMPROMISED AND NEED THE FOLLOWING ACCOUNTS REMOVED BECAUSE THEY WERE DUE TO IDENTITY THEFT. NOT ONLY HAS EQUIFAX BEEN NON COMPLIANT WITH MY REQUEST AND THE FCRA! THEY ALSO HAVE BROKE ANOTHER RULE OF NOT VERIFYING EACH ACCOUNT, AND SHOWING DOCUMENTATION FOR 100 % PROOF OF COMPLETE AUTHENTICATION, VERIFIABLE PROOF! XXXX XXXX SENIOR VICE PRESIDENT, AND XXXX XXXX PRESIDENT OF EQUIFAX LLC, AND XXXX XXXX PRESIDENT OF U.S COMMERCIAL SERVICES AND CORPORATE CHIEF OFFICER OF EQUIFAX WILL NOT CONTINUE TO BREAK THESE LAWS AND GET AWAY WITH RUNNING OVER PEOPLE LIKE ME WHO SERVED THIS COUNTRY PROUD! I AM A PROUD VETERAN AND HAVE NO PROBLEM PURSUING THIS CASE IN SMALL CLAIMS COURT, AND ALSO JOINING A CLASS ACTION LAWSUIT! I HAVE ALREADY OPTED OUT OF THE ARBITRATION AGREEEMENT EQUIFAX HAD ME LOCKED IN TO!
Consumer complaint received 2019-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

In XXXX, XXXX, following a miscommunication between my bank, Wells Fargo, and non-Wells Fargo ATMs abroad ( XXXX ), which resulted in money being mistakenly deducted from my Wells Fargo checking account, in the amount of {$1800.00} ( based on several attempted transactions in which my card was denied and I did not receive funds, but Wells Fargo thought I had ), I immediately contacted Wells Fargo to resolve the issue. After detailing the case, their Fraud department initially reimbursed me 100 % of the funds in question. A couple of weeks later, {$1000.00} of the money initially reinstated was reversed. When I called to inquire why, I was told I needed to sign a form that could not be emailed but only sent to my permanent address. I was also told I could resolve the issue upon returning to the US. In fact, both of these details were incorrect and misleading. The supposed form I need to sign was never mailed, and never emailed. I still do not know what the form is in reference to. I followed up on this matter at the first opportunity I could, following my return to the US, on XXXX XXXX XXXX. At this time, I was told that XXXX XXXX 120 limit had expired and the remaining funds owed to me could not be reinstated. Hiding between this outside technicality, at no point in time was I told why the funds were ever removed from my account. Nor whether Wells Fargo was able to recover their money from XXXX ( as far as I know they were able to recover 100 % of the funds, and my money became a source of profit for them ). In XXXX, XXXX, {$500.00} mysteriously appeared in my account, presumably an effort by Wells Fargo to placate me and encourage me to drop the issue. I am shocked and appalled by Wells Fargo poor communication, lack of transparency and lack of customer care in this instance. Despite extensive dealings with their Resolution Team, and no fewer than three separate escalation complaints, I have been consistently told there is nothing they can do and it's a closed case. Last week, I informed them that I would be taking alternative action to resolve the matter and recover the money they still owe me - XXXX - plus damages.
Consumer complaint received 2022-03-22
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. (IL)

I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are 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 XXXX XXXX XXXX 


A total amount of {$26000.00} is reporting that are inaccurate.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX  XXXX not mine XXXX XXXX   XXXX not mine COLLECTIONS  09 XXXX XXXX XXXX   XXXX {$430.00} not mine 12 XXXX  XXXX XXXX XXXX XXXX  XXXX {$710.00} not mine 12 XXXX XXXX XXXX {$970.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2022-03-22
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: Continental Finance Company, LLC (LA)

Someone opened a credit card in my name and ssn I have spoken with XXXX XXXX and they say the card was opened with a New Jersey address and we live in Louisiana the card is with Celtic bank/continental finance it was opened XXXX/XXXX/21
Consumer complaint received 2019-11-04
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. (TX)

I submitted a identity theft complaint, including the report number, an some of the accounts were deleted, but there were some that came back verified, but I have not recieved any evidence of the verification or who verified these accounts.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

Subject : Notice Of Dispute - PHH MORT SVC - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account PHH MORT SVC - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account PHH MORT SVC - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account PHH MORT SVC - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account PHH MORT SVC - XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

According to Experian and XXXX I have late payments on my XXXX XXXX account for the month ( XXXX ) and year ( XXXX ) as follows XXXX XXXX XX/XX/XXXX. I spoke with a representative in XXXX of XXXX at XXXX XXXX and had an agreement to where if I payed what I owe all derogatory remarks for the time frame mentioned above would be marked as payed on time. I payed as agreed and the derogatory remarks was not updated. I made a dispute and nothing was done. I got back on track with on time payments. XX/XX/XXXX my XXXX  was XXXX on XXXX XXXX. I fell into XXXX and could not make payments XXXX XXXX XXXX XXXX and XXXX. I reached out to XXXX XXXX in XXXX and explained my situation and asked can we make a payment agreement. I was offered a high amount to pay that I could not pay at the time which XXXX XXXX was aware of and they continued to report derogatory remarks on my credit report. Then XXXX XXXX  and I lost my job.They had no sympathy for the hard time I was facing. the information on this account is inaccurate therefore it should be deleted.
Consumer complaint received 2019-11-04
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (LA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it

has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
( b ) Opt ou

t ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, 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. (IL)

XXXX XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have contacted XXXX, XXXX, and Experian about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

I have taken advantage of a number of the 12 month 0 % interest offers PenFed has made. As of my XXXX statement, I owed the following : {$2400.00} expiring XX/XX/XXXX ( started as {$3500.00} in XXXX of XXXX ) {$1300.00} expiring XX/XX/XXXX ( started as {$1900.00} in XXXX of XXXX ) {$930.00} expiring XX/XX/XXXX ( started as {$1000.00} in XXXX of XXXX ) After making regular monthly payments, in XX/XX/XXXX I made two payments : {$3800.00} on XX/XX/XXXX {$100.00} auto payment on XX/XX/XXXX As of my XXXX statement it shows that I still owe the following : {$430.00} expiring XX/XX/XXXX {$230.00} expiring XX/XX/XXXX {$160.00} expiring XX/XX/XXXX As I have carried no other balances with any other interest rate during this time, I have effectively paid off the balances due in XXXX and XXXX. I have paid back the totals which I have agreed to based on the 12 months 0 % interest offer. 

The PenFed payment allocation rules will not honor the original agreements because I took advantage of a few different offers.
Consumer complaint received 2019-08-03
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX AND XXXX. I am doing this on my own.
Consumer complaint received 2022-03-22
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. (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 im XXXX  now.
Consumer complaint received 2017-06-02
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. (SC)

It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.
Consumer complaint received 2017-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Sold items on XXXX, shipped with tracking the same day. XXXX said my funds would be available 72 hours after the time the items were delivered. It has been 72 hours and the funds are still unavailable. I 've called Paypal 4 separate times today and gotten different answers from each person. My last phone call, I asked to speak with a supervisor and was denied that and then hung up on.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

On XXXX early morning, I was robbed and my Chime debt card was used at four locations in the city. The charges were made at XXXX XXXX ( {$4.00} ), XXXX XXXX XXXX XXXX XXXX  ( {$4.00} ), XXXX XXXX XXXX ( {$33.00} ), and XXXX XXXX XXXX ( {$150.00} ). These charges were not made by me as my card was not in my possession. I have used Chime 's dispute resolution process and I found the process to be unfair. I have provided my XXXX receipt that I was not in the area when the charges were made. I also provided the XXXXXXXX XXXX of the route, the time it takes to get to the place, and where I was picked up. And still, Chime ruled that the charges were made with my approval when that was not the case. I provided the evidence twice. The evidence they provided for how they made the decision was the times in which the charges were made and still does not stand to reason why am liable for this fraud.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-11-04
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO HOME MOR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (AL)

Ford Motor Credit. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XX/XX/2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XX/XX/2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written Ford and XXXX!!!!