davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

On XX/XX/2021, I reached out to Midland Credit Management regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to take action. I requested validation from Midland Credit Management on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received basically asked, " what I was disputing? '' I was not disputing the debt, I asked for validation. I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (NC)

I lost both my phone and my Cashapp Card on Saturday XX/XX/2023. I left them at a store. I was able to retrieve them in XX/XX/2023. Before I was able to get both back, two purchases were made - XXXX  XXXX for {$64.00} on XX/XX/2023 and one at XXXX for {$37.00} on XX/XX/2023. Neither of these were authorized by me and I have not shared my credentials with anyone or given anyone permission to use my card or account. Cashapp has denied my dispute for XXXX  XXXX and I am waiting to hear about the XXXX charge. I have asked support for the documentation used for the denial and am waiting to receive it. 

These were unauthorized transactions and I expect to receive my money back.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2023 Wells Fargo sent my credit card balance of {$1600.00} to XXXX, XXXX and XXXX. I pay off my credit card each month and I never had an outstanding balance. 
My credit limit on this credit card is {$8500.00} and my current outstanding balance is {$0.00}. Due to Wells Fargo careless action I received a notice from XXXX saying they reduced my FICO score by XXXX points due to a high balance. 

From Wells Fargo to XXXX, XXXX and XXXX Your WELLS FARGO BANK account balance increased to {$1600.00}. 
Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 

Resulting action from XXXX XX/XX/2023 Your XXXX  Score has decreased by XXXX points. 
Your XXXX  Score has decreased XXXX points to XXXX. Even though your XXXX  Score went down, your Credit Rating did not so it should not impact your credit worthiness.
Consumer complaint received 2019-10-06
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. (FL)

I have been trying to correct XXXX  experience etc. for two years now. I was notified by experience that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by Experian or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (AZ)

I purchased one {$500.00} visa gift card at XXXX XXXX XXXX on XX/XX/XXXX and spent {$64.00} dollars at XXXX. The gift card should have a balance of {$430.00}. Today I logged in XXXX  to check my balance and found that there are several unauthorized transactions occurred on XX/XX/XXXX and XX/XX/XXXX in DC and Texas. The current balance is about {$50.00}. I called the customer services but they did not get me through how to get my money back.
Consumer complaint received 2021-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I can't get information as to why this company XXXX has paperwork signed by me on a debt they are unable to prove with original promissory note.
Consumer complaint received 2023-08-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Freedom Mortgage Company (TX)

I was given an insurance check that needs the banks endorsement before we can get our roof fixed. Freedom Mortgage told us that it was a 7-10 day process unless we paid to over night the check and sent a prepaid over night return envelope with it. We paid for the overnighting because we actively have water coming into our home doing more damage every time it rains. We overnighted the check on Monday XX/XX/XXXX and they received it on the XXXX. Today is the XXXX and we still have not received the check back and the tracking number says that they havent even mailed it. I have talked to numerous reps and all show the check received, in processing, account in good standing, and that it should simply be a rubber stamp and returned. I spoke with a manager on XX/XX/XXXX named XXXX that said she would find out what the problem was and call me back by the end of the day. I have not heard anything from her. Freedom Mortgage has been terrible and misleading in this process. As much money as we pay them and the amount of vested interested they have in our home they should bending over backwards to ensure it is taken care of.
Consumer complaint received 2022-01-15
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)

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 the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was taken advantage of due to malpractice while SEVERAL laws have been broken under the FCRA by your company. This has cause financial injury, defamation of character a loss of my security clearance, I cant apply for credit and in a hotel because im unable to secure rent. Ive placed fraud alerts on my account theres countless inquiries I didnt do 2 fraudulent credit cards which dont belong to me that havent been verified and the burueas have made a mockery of my reports. I wasnt even able to obtain an XXXX loan during the pandemic while trying to secure funding for my business I created due to the fact that I couldnt get hired into my field of study because it requires a clearance.
Consumer complaint received 2021-09-24
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. (PA)

I have XXXX ally financial accounts XXXX of which are supposed to be paid in full they fixed XXXX and put paid in settlements the other XXXX still says we owe {$250.00} which was paid almost a year ago when we traded the car in for another vehicle the other one is {$2000.00} and something and that has been through XXXX different collection agencies which was also paid in a settlement and still being reported on my credit report I have sent in multiple paperwork proving that they've been paid in full I have called ally financial multiple times multiple departments and I can not get anywhere on this
Consumer complaint received 2021-09-24
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. (NY)

Hello, I am desperate for help as I have XXXX XXXX. I work for XXXX XXXX and was on their resources HR page, looking at random benefits. One mentioned was XXXX XXXX, which is some site that offers a lot of random things like insurance, etc. I went to make an account, which required my employee ID to verify myself, as well as a driver 's license and my SSN. 
At no point during the account setup did it even hint at a credit pull. I've included screenshots of the account setup page for people from XXXX XXXX, and it does not mention anything about applying for -credit-. 
I wasn't applying for anything. I was simply making an account. The account setup had a " what we do with this information '' tab and it makes no mention of a credit pull. There was no warning! 
I just checked Experian and I indeed just got a hard inquiry. I've been working my XXXX off to keep my credit score high, as I want to mortgage shop in a few months. I haven't had a hard inquiry since XXXX. 
I am begging you to help me! There was no warning and I gave no consent to have this happen!
Consumer complaint received 2018-09-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an account with bank of america for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to check systems and early warning and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is for Boa XXXX claim number XXXX. 

My Bank of America XXXX account associated to card number xxxx ( the card that receives the unemployment insurance and Pandemic Unemployment Assistance XXXX from XXXX ) got hacked, and {$35000.00} funds in the card got transferred out without my permission from XXXX, a total of 7 transactions. I noticed the {$0.00} balance in XX/XX/21 and reported it the same day. 

The fraudulent transactions show " Direct Deposit Funds Transfer to checking/savings '', and the fraudulent account is a checking account ending # XXXX, the routing number is XXXX. This account was added to my account by the hacker. 

The same fraud has already happened one year ago reported by local TV news station XXXX, the same thing is still happening again and again. BoA had done nothing to prevent it from happening. 

BoA XXXX account lacks of 2 way verification so anyone who got your bank account login name and password is able to login and change all the personal information. In our case, the hijacker went in there, changed the email and phone number, we did not receive any notification about that from the banking system. Then this person went ahead attached some account and transferred all the money out.
Consumer complaint received 2022-01-26
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)

I have sent Experian Multiple documents that they requested i needed to send them that were related to identity theft. I did everything that was asked to submit and they have not addressed the problem and haven't removed the account. they give me responses that doesn't pertain to identity theft. I dont know what else to do. this is causing harm, frustration. 
Please delete the fraud accounts immediately 1.XXXX XXXXXXXX 2.XXXX XXXXXXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX 4.XXXX  and this fraudulent inquiry 1. XXXX XXXX  XXXX XXXX XX/XX/2021 I never gave XXXX XXXX XXXX XXXX  to look at my personal information.
Consumer complaint received 2022-01-26
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. (FL)

I opened a dispute with Transunion about an account that has been paid in full and it is no longer a debt under my account. I sent Transunion a creditor letter with all phone numbers and contact information of the account in dispute, showing that the account has been satisfied and paid. 
A week later, XX/XX/2022, Transunion sent me an email saying that the " Dispute '' was resolved. and Verified as Accurate. Transunion left the account showing a debt as I have never paid it. They said that they Verified it as Accurate, and that is a lie, due to the fact that the creditor offered a Paid Off Letter and still did not update my account and TRANSUNION lied about it saying that they verified it as accurate. 

I want this information to be deleted from my account, per FCRA, and Transunion furnishing False information affecting my consumer report showing inaccurate information on it. I am attaching letters of creditors and also the letter from Transunion lying about verifying the account as accurate.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (MS)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

On XX/XX/2021 someone accessed my checking account thru XXXX and put a payment through of {$260.00} to a XXXX XXXX. I DO NOT KNOW THIS PERSON. I DID NOT MAKE THIS TRANSACTION! I contacted Citibank immediately and told them about this. I filed a claim over the phone with Citibank. Since this was fraud, I thought my money would be put back into my checking account right away. That did not happen. Since that date, I have made numerous calls to Citibank Claim Department telling them I need to have that money returned. I just called again today and asked for a Supervisor. The Supervisor put me on hold and the call was disconnected. They never called me back. I am irate. I NEVER use XXXX to send money! I want the {$260.00} returned to my account immediately! I Will Not continue to wait to get my money back. I had to report to you because I am not getting anywhere with Citibank.
Consumer complaint received 2019-10-06
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 (AL)

LexisNexis Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with LexisNexis and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to LexisNexis and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.
Consumer complaint received 2022-01-15
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. (CA)

I made a payment through the XXXX XXXX  app and also set up auto pay. The auto pay never processed. I also have alerts set up on my account so that if there is a payment missed or late, I would be notified, Not only did the autopay not process but I also did not receive any alerts. I was only notified by XXXX XXXX that a payment was missed. I called XXXX XXXXXXXX to report the system error and they transferred me around for 3 hours. They admitted that there could have been a system issue with the app but continued to insist that there was nothing they could do about it. This is very unfair and wrong. I am doing my best to pay this debt off. This is a closed account. I should not be going through this. Can you please help.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.