davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

I sent a payment of {$80.00} to a third party for concert tickets on XX/XX/2019. The person requested that the money be sent through XXXX, which is included as an online service through my bank, Wells Fargo. I sent the money and never received the tickets. The other party stopped responding to my attempts to contact them. I immediately contacted XXXX, but was told I needed to contact Wells. Wells told me that they could not stop or reverse the transaction, but they would open a fraud case. I asked if I should contact my local PD and was told it was not necessary. The Wells Fargo representative told me that the Fraud department would first need to determine that there was fraud involved, and that the other party did not suffer some sort of event like an accident that prevented them from completing the transaction. Once they have determined that it was fraud they would open a full investigation and would be contacting me for more information. The fraud department denied any restitution. I spoke to Wells customer service on XX/XX/XXXX and was told that the extend of the investigation is only to make sure that the money was sent to the appropriate account. No other steps were taken and I still see advertisements on XXXX all the time from the fraudulent party. Wells will not do any further investigation and XXXX will not work with me either. I had never used XXXX and was under the impression that they would offer consumer protection similar to other person to person money transfer services. I further expected that Wells would offer me protection and follow through on taking the steps they told me they would.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TX)

Stellar Recovery has placed an illegal erroneous account in the amount of {$1600.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it. 

I am seeking to have it removed fro my XXXX, XXXX, and XXXX credit reports immediately. 

I have never had any business, ordered service, or had correspondence ( to or from ) with this company, nor the company they say they represent ( XXXX ). 

All my attempts to validate this debt has went without response by Stellar Recovery.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (CA)

1. I have never had an account with these companies XXXX XXXX  XXXX XXXX  with Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are XXXX XXXX  XXXX XXXX  the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Consumer complaint received 2018-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MO)

Called me about 3 weeks ago from XXXX XXXX saying I owed a debt and that if I dont work something out with them right this second while on that call they where going to serve me papers and sue me. I never heard of the debt they say I owe and knew nothing about it. I asked for them to send me a letter to My address. I have never received any letter. And now its on my credit report.
Consumer complaint received 2022-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : CAPITAL ONE XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry
Consumer complaint received 2022-02-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2021-06-12
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: LEXISNEXIS (GA)

I am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to lexis nexis as well telling them that they are in violation of my rights as well and sent letters to lexis nexis to fix this. Certified as well and was received by lexis nexis on XXXX XX/XX/2021.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (HI)

My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (OR)

Im sure you receive complaints all the time an dive even issued a couple regarding PayPal.. I wonder when you XXXX XXXX  will ever actually treat us as your boss and do something. Paypal blatant violates the electronic funds transfer act on a daily basis and gets away with it. They are not a banking institution, therefore they do not have a f-ing right to act as an authority regarding business transactions or a mediator who decides if a business is in good practice. They do. Not have a right to hold onto money for any amount of time let alone 2 weeks. It only takes them two seconds to collect it. They cant do this, you know it but you XXXX do nothing. Maybe a lawsuit against oyu for basically defrauding the tax payer which is what your doing by taking our money while misrepresenting yourselves as actually providing a service. Paypal have no XXXX right to hold my money until they determine I deserve it. They are not a back or an authority and if I have to sue you to do your job I will do that. Do your XXXX job and actually earn your pay oyu XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX I requested a free copy of my annual credit report from Equifax. I received the report on XX/XX/XXXX. That same day, I reviewed the report and noticed a glaring error. It contained an incorrect DOB for me. I called that day and spoke with someone who told me to file a dispute. On XXXX XXXX, I filed an online dispute at myequifax.com via my account. I provided a copy of the front of my Driver 's License, as this was an appropriate document to provide for verification purposes as listed on their website. The investigation into my dispute ( confirmation # XXXX ) was closed that same day. Subsequently, I called and spoke to an agent, asking for clarification as to why the update ( which he correctly confirmed over the phone ) did not match my credit report online ( accessed by myequifax.com ). I called a second time on XX/XX/XXXX and spoke to yet another agent, asking for clarification again as to why my DOB on my online credit report does not match the correct DOB for me which he was able to telephonically confirm. He assured me it is updated in " their system. '' However, it does not match my credit report accessed through Equifax 's own online credit service, myequifax.com. I do not understand why the data Equifax has is not reflected in my credit report using their own software ( myequifax.com ). This concerns me.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I initially tried to access my TransUnion credit report on XX/XX/22 at XXXX. The website, service.TransUnion.com would not allow me access to my credit report. I had attempted to may times. I waited until XX/XX/22 at XXXX XXXX to attempt to access it again. I received a confirmation code thru my email, it opened my TransUnion account, however I received a message, cant complete my request. Ive had several issues with TransUnion, they continually stop the ability for the consumer to view potentially fraudulent debt charges that TransUnion posts on credit reports. This has happened to me. 
Then, the consumer cant dispute the fraud charges. TransUnion should be confirming specific debt claims actually belong to the persons credit report they ruin. Its very difficult to reverse the negative information and dispute it.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (TX)

I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from ONEMAIN
Consumer complaint received 2022-10-10
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. (MD)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-25
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. (AL)

XXXX XXXX XXXX XXXX is still reporting an account as an unpaid collection in the amount {$430.00}. The account was paid in full on XX/XX/2022. XXXX and XXXX have deleted the accounts already. I have disputed this directly to Experian multiple times and the have updated it with incorrect information multiple times. Experian is causing me real material harm with this incorrect information. Please help me.
Consumer complaint received 2022-02-25
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. (HI)

My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

I have an Amazon store card that I stated using in XXXX. I just noticed that I have been receiving a charge that I hadn't noticed previously when checking the card statement. Went back as far as it allowed which was to XXXX. Seems I've been charged a credit card security fee for a while now. Called them and found out I've been paying it since XXXX. The fee amount which is 1.66 % of the total every month. I tried to get a refund and they will only allow a refund of the last 12 months. I feel as if I've been secretly thrown into a credit card scheme that they can legally do to take advantage of people. I asked for a supervisor and they refuse to give me the entire refund. I checked online and many people have been noticing the same charge popping up on their synchrony cards. One person said they were able to get a refund of for theirs dating back to XXXX. This has me extremely stressed out, please help and thank you for your time.
Consumer complaint received 2018-07-02
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: TD BANK US HOLDING COMPANY (CA)

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with his information that resulted in an inquiry XX/XX/2018 that he did not authorize with TD Bank/Nordstrom. He contacted TD Bank/Nordstrom of this issue when it occurred and was told the inquiry would not be reported however upon review of the credit report the inquiry was found. An official dispute of this item was mailed to TD Bank/Nordstrom XX/XX/2018 ; as of this date TD Bank/Norstrom has failed to reply as in their obligation under FCRA. This is a violation of my client 's consumer rights.
Consumer complaint received 2016-03-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONS LENDING CORPORATION (FL)

First off I did not receive disclosure XXXX days prior to closing neither did seller. Then at closing my disclosure numbers were different from sellers. I thought the figures should be the same. We did not see this until a few days after closing in meeting with sellers. They deducted {$4800.00} from sellers check that was a deposit already taken of top of loan. Also sellers copy of disclosure date issued XXXX and it is a faxed copy which I did not see at closing. The date issued on my disclosure is XXXX so why were these numbers not on my disclosure and mine is a original and not a fax.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

I went to XXXX department store on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX on XX/XX/2021 and once I got to the register I was asked if I wanted to sign up for a store card I first said no and the cashier insisted that she did not need to run my credit and stated that she only needed to run my ID card.I then agreed and was was prompted to type in my Social security number on the keypad I then refused and told the cashier to please take my information off the screen and she then agreed and turned the keypad towards her and started to type and I instantly got a notification from XXXX XXXX saying I had an hard inquiry on my credit.I then demanded to speak with the manager and after a discussion we agreed upon that the cashier put in a bogus Social security number to complete the application for the store card. The store manager then gave me the credit card company number and when I called they also confirmed that someone put in a bogus social security number and they only needed the contents on my ID to complete the application and it was nothing they could do to help me get the inquiry off my credit so now I am reaching out to you for help after I called my lawyer and he advised me to reach out to you guys because it is a tragic blow to my living situation because for the last 3 years Ive been building my credit consistently to purchase my very own home and this has been a huge setback please help.
Consumer complaint received 2018-06-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

I sent XXXX dollars through money gram to a family member on XX/XX/XXXX. My brother went to XXXX XXXX in XXXX the following day and they said they had no money there for him. He went back again on XX/XX/XXXX after I called Money Gram and they still said there was no money available. I spoke to the XXXX XXXX manager in XXXX and they said there was no money. Money Gram told me to call every four days so I called about four times and they kept on saying to send my brother back to get the money and that it had already been recieved. Then they told me that they would do an investigation that would take 4-90 days.
Consumer complaint received 2018-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Accounts & Advisers, Inc. (NY)

I had my car broken into where personal information and creditmcards were stolen is XX/XX/XXXX. I was a victim of identity theft as a result. Most recently, In XX/XX/XXXX I became aware that someone used my personal information to obtain medical services in XXXX XXXX. XXXX XXXX and their client American Account Advisors placed a fraudulent collection on my credit report in XX/XX/XXXX. I sent them the police report filed last XXXX and the Identity theft report I filed with the Federal Trade Commision and requested they remove the fraudulent collection from my credit report. They have not responded to my request or removed the information from my report.
Consumer complaint received 2022-10-10
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-03-10
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)

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 

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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I filed a FTC report in reference to the following accounts that are we reporting and have not been throughly investigated by the following credit bureaus. This continuous inaccuracy has caused me hardship and denial in extension of credit.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.