davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

On XX/XX/2021 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-12
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: WELLS FARGO & COMPANY (CA)

I would like to investigate my account Wells Fargo. Account number : XXXX. On XX/XX/XXXX, I got a court letter mentioned that I still had outstanding balance with total amount {$11000.00}. On that date, Wells Fargo illegally withdraw my money from my account without going to the court system. I am so depressed now because I need to have this money to take care of my family. Please I want to get my money back. Thank you.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I sent a letter to Lexis Nexis via certified mailed on XX/XX/2021 and they received it on XX/XX/2021 to XXXX XXXX XXXX XXXX, GA XXXX. I requested that they send me whatever documents of information that they have personally used to verify this alleged bankruptcy and they have not responded to my request at all. If they can not produce such documents this alleged bankruptcy needs to be removed from my file immediately as it is defaming my charter.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On Wednesday, XX/XX/2021, I received a telephone call from XXXX. They were calling to verify a purchase in the amount of {$1400.00} for a cell phone. The transaction was flagged because the purchase was made in California, and I in New York. I was informed that I was speaking with XXXX XXXX from XXXX XXXX XXXX XXXX, and was given a call back number ( XXXX XXXX XXXX ) in the event we were disconnected. I was also given a reference number XXXX XXXX. 

Once we established that I did not make the purchase, he asked if I would accept a refund in the amount of {$1400.00} and could the refund be deposited in my Citibank account ending in XXXX. I agreed, and he asked me to check my account to see if the {$1400.00} had been deposited. I opened my Citibank account on my computer and saw a deposit of {$6200.00}. He then seemed horrified that he had made an error, and would check with his Manager to find out how he could reverse the transaction. He came back with a solution. I would have to wire the overage to him, which I foolishly did. I was not suspicious since this was a Citibank Checking Account Interface with the amount in question visible in my account. 

Within minutes of this transaction, I decided to call Citibank, at which time I was told I had been defrauded. I have been in contact with Citibank several times regarding the possibility of my getting the stolen monies back ( See CIT XXXX ) and was informed on this date that the case is now closed. I was also told that because I had sent the funds, there was no way for Citibank to retrieve them. Upon checking, it was found the funds appeared to have been forwarded to XXXX XXXX XXXX, but for some reason, the {$6200.00} deposit transaction does not show up in my Citi account. I have since been to my CITI XXXX to open new checking and savings accounts and close the affected accounts. I also redirected all direct deposits to the new accounts. Additionally, I've scrubbed my computer, and put a monitoring system in place. There was also an administration fee of {$500.00} debited from my checking account by the same individual. 

The fact that I lost those funds is distressing to me. I feel that my information on file with Citibank was breached ; otherwise, they would not have known I bank there and would not have had my account number. Why would I assume this was a scam? I have been a CITI member for well over 35 years and have never had a problem such as this. I am a senior, and these COVID times have been emotionally and financially distressing. 

I am surprised by the negative decision and lack of a solution to reimburse funds stolen from me from my account on your secured site. 

I am currently on Social Security and Unemployment ; and with the cost of health care alone, I'm struggling to make ends meet. Anything you can do to return the funds to me would be extremely appreciated.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION (NC)

I had lost my card, I received a call from the bank fraud stating " Did I know that there was activity happening on my account. '' I told them no I didn't know and I looked on my account and seen unauthorized transactions and realized I had lost my card at this point. I was told I had to go into the branch to file a dispute. I filed a dispute for the transactions and they told me they would do an investigation so I waited. I received a letter in the mail stating that they conducted there investigation and there was insufficient evidence to support the fraud claim so they closed the case and DID NOT CREDIT my account back.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you XXXX days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report
Consumer complaint received 2019-09-06
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: Experian Information Solutions Inc. (TX)

With the help of Experian credit report agency, I submitted a dispute against XXXX XXXX and I received a notification that all the information is accurate and as a result none of the information on my credit score will be changed. Unfortunately, this account is fraudulent and was made with my consent. Someone with my personal information must of used my credentials to steal my identity.
Consumer complaint received 2018-04-13
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)

Ive recently pulled my Transunion credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Transunion. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with Transunion and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

The following accounts have been removed by XXXX   and I am asking Transunion to remove : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX Acct # XXXX XXXX/XXXX XXXX Acct # XXXX Thanks for your cooperation, XXXX XXXX
Consumer complaint received 2019-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

My vehicle had water damage last XX/XX/XXXX it took til XX/XX/XXXX for the insurance to claim it a full loss. GAP insurance has not kicked in yet for the ramainding balance of about $ XXXX.I have been cooperative with XXXX XXXX XXXX XXXX with this matter. XXXX, XXXX they began reporting me to the credit bureaus for repossession and charge off. I have been sending every document into XXXX GAP claims as they request claim number XXXX. XXXX states as they received documents it takes up to four weeks to process them. The list of documents is very long and confusing and originate from various sources. The Vin on the lose car is XXXX The account with XXXX XXXX XXXX XXXX is # XXXX.Balance is $ XXXX.Why ais my credit being ruined if I am cooperating and waiting on insurance companies to process this claim while having to do all the leg work for them in obtaining documents.
Consumer complaint received 2019-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: eMoneyUSA Holdings, LLC (MO)

On todays date, XX/XX/19, I emailed emoneyusa to revoke authorization for automatic debits from my bank account. Per the loan agreement, the revocation has to be in writing. I immediately received an email, two text messages ( one of which was addressed to a XXXX? ), and a phone call. They call me from a XXXX XXXX XXXX XXXXI dont know what that is all about. They refused to honor my revocation of authorization, and told me to call in order to discuss other payment options, despite them having denied my request for a short forbearance moments earlier. XXXX is the representative that was contacting me. I did call them and they were closed. I also sent a text message back to XXXX repeating my revocation. I have not heard back.
Consumer complaint received 2022-05-03
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. (TX)

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted XXXX improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.

Please delete and block the following accounts including those on my police report : 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
Consumer complaint received 2020-11-05
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. (GA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax Data Breach and that may have gotten in the wrong person 's hands
Consumer complaint received 2019-09-06
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: BROKER SOLUTIONS, INC. (GA)

i contacted XXXX XXXX XXXX and XXXX XXXX also XXXX along with New American Funding about the inquiries on my credit tried to get them to remove the inquire from my report they said they would, later i contacted XXXX and XXXX to get them to remove them but was gave a death ear on the matter so now im contacting you all for help thank you
Consumer complaint received 2021-04-07
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 (TN)

PayPal closed my account with {$1100.00} for no reason in 2020 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management Inc. filed a lawsuit in Arkansas against me. Even though the case was in court and they were represented by an attorney, they continued to have an offshore call center attempt to collect the debt. 

After they dismissed the lawsuit, they continued to report the debt to the credit bureaus. 

Despite knowing that I dispute the charges, and without having any information about said charges, they continue to assert the debt is valid and continue to refuse to investigate dispute I placed with the three credit bureaus.

Midland Credit Management is quite aware that the charges are not valid, that I did not authorize most of them, and that I am owed a refund on the account for amounts I overpaid XXXX  XXXX.
Consumer complaint received 2021-10-10
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: WELLS FARGO & COMPANY (MD)

SOMEONE USED MY VISA CREDIT CARD WITHOUT MY PERMISSION. I DONT KNOW WHO IT WAS, THE BANK TOLD ME THAT I GAVE THEM PERMISSION TO USE THE CARD, I HAD XXXX LIMIT ON MY CARD WHOEVER THEY WERE CHARGE XXXX on my card. And I am so worried that I will have to pay for this. Please help me resolve this problem.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

Yesterday I got a call from the help desk at Chime ( XXXX ) XXXX stated that I had fraudulent activity on my account and my account was needed to be put on a hold. They requested I sent {$520.00} to XXXX in order for my money to be moved over to my savings and held on a hold until the activity has been resolved. Unfortunately when I called the number back an hour later I was greeted by another Chime employee that told me it was scam and I was not going to be able to get my money back. This is very disappointing as I got called from Chime Financials number and there is no information until it happens to you that Chime will not call first. They need to get their security up and inform their customers about what can happen, this isnt right- I should not be getting called from the exact same number and not compensated for their lack of security.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (PA)

I opened up an account with Current ( XXXX XXXX XXXX/ ) and opened up 3 " savings pods '' to earn interest in each pod ( principle amount {$2000.00} per pod ) in XX/XX/2022. 

Current changed their interest earning terms to require a direct deposit to continue earning interest, so I withdrew my funds and closed my account in XX/XX/2022. 

During the time the account was opened and money deposited, I earned over {$100.00} in interest that needs to be reported to the IRS, but I did not receive a 1099-INT by the XXXX deadline required by the IRS. 

My account has been closed and I can not access any information to find it on my own. I reached out XXXXhree times to their customer service to ask for the form and interest information to file my tax return, and each time they said my account is closed so they can not help me or send me any forms. IRS requires a 1099-INT form for interest earned over {$10.00}. Current says they only send out if it's over {$600.00} and only to current members, which is in violation of the IRS rules. 

Attached is a PDF of my correspondence with Current regarding the issue ( they do not have a customer service number so can only be contacted via email ).
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland credit management sued me. I never received the copy of the subpoena. The only information that I was give is that it given to my mother at my house. The problem is, is that my mother does not live with, nor did she accept a subpoena on my behalf. I am the sole owner of my home, my mother has maybe been here 5 times in the past 5 years. I believe that they got into court without me showing up to win by default.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (CA)

After I applied for a refi on my auto & was denied I wrote to Experian to obtain my FICO score I rec 'd a " Dispute Results '' # XXXX for XX/XX/20 with no FICO score only a list of past history ( fairly complicated for my age ). Tried calling Experian & there is no one to speak with there! Went on their site www.experian.com/upload & it said the file had been destroyed. Note it is dated by them XX/XX/20. 

Since these bureaus are collecting data on me & selling them-MAKING $ $ $ OFF ME, why do I have to pay to get my FICO? This is unconstitutional & highway robbery. I'm sick & tired of getting ripped off by these & other companies just ripping Consumers especially Senior Citizens.
Consumer complaint received 2019-08-27
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bepensa Capital, Inc. (TX)

I have repeatedly received calls from agents from Credito Real USA to my job. Each time I have instructed these individuals to not call my place of business concerning personal matters. Despite my requests, these agents have continued to call. 

On XX/XX/2019, a representative from XXXX XXXX XXXX XXXX actually came to my office to deliver a letter on behalf of Credito Real USA after XXXX on Friday, XX/XX/2019. The representative requested to take pictures of my vehicle in front of other suite owners in the building. That same day ( XX/XX/XXXX ) I sent an email to Credito Real USA instructing them not to contact my job. Today, XX/XX/2019, I received another call to my office number. 

Please advise.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include XXXX XXXX XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.