davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I received a text message saying that there was suspicious activity on my account and there was an attempt made to take money out of my account. Then I received a call from a caller ID under wells Fargo and I talked to someone who impersonated a banker and told me there was suspicious activity on my account. They told me to state my full name, number, and email. Then they proceeded to tell me to XXXX  the amount of monye that was tryin got be taken back to myself so I could secure it and make sure this " person '' would be denied access. Once it was done, the money was taken and the " banker '' hung up.
Consumer complaint received 2018-06-13
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. (TX)

There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've noticed in my transaction history ( monthly statement ) that there is money missing in between transactions. I believe bank of America is fraudulently taking money from my edd payments. I have called bank of America and asked why there is discrepancies.? Their answer was because of pending transactions. Which is a lie because the statements they send me are completed transactions. I can not get any help from the bank .I have the completed statements and hope this can get me my money back some closer.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (PA)

CERTIFIED MAIL Receipt # XXXX Hello my name is XXXX XXXX XXXX, I tried contacting WETERN FUNDING INC. Serval times trying to obtain my Full contract, My Truth In Lending Disclosure and My Notice Of Deficiency which is my notice of sale of the vehicle. My vehicle was supposed to be sold XX/XX/2022 and was sold XX/XX/2022 information that the vehicle was sold and the date was from an employee of the company. My contact did not have my Truth In Lending Disclosure it was all black which I received from The Dealership XXXX XXXX XXXX the salesperson name XXXX XXXX. I was not explained to about my contract or was I aware of what I was signing.
Consumer complaint received 2022-09-12
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. (SC)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern b

y 15 USC 1681 and they have voilated my rights numerous times. I demand the accounts listed below removed. According to 15 USC 1681 : I have rhe right to privacy and I didn't give equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (FL)

The original collector turned the account over to another collector ( Paramount Recovery ) account open dates currently shows XX/XX/XXXX, the actual original collection open date was XX/XX/XXXX. The company Paramount Recovery, whom I have not received any services from nor had any contract with has placed collections on my credit report in the amounts of {$200.00}, {$220.00} and {$920.00} with an open date of XX/XX/XXXX. I have placed disputes through all XXXX credit agencies at least twice and I have not received a fair response as yet. This company has yet to prove that I owe them for any services, still the debt shows on my credit report.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

I had a {$100.00} prepaid gift card that shows the website XXXX It appears to be a US Bank National Association card. When I tried to use my first card it would not work so the company said they would issue a new card which they did. I then tried to use the replacement card in several places and was told that it would not work. I recently tried to use it but since it would not work I had to give the merchant my credit card instead. When I went to look at the gift card balance, it then told me that indeed the card worked and that {$97.00} was taken off of it. When I called the 800 number on the back of the gift card I was told that they could not give me any information since the card was registered under someone else. They sent me this card so I have no idea why it is registered under a different name? That being said, this company should be shut down. They issue these cards and you can never seem to use them. They also do not provide support when needed. I have had problems with this same company in the past. I wish the government would thoroughly investigate their fraudulent practices as they are " stealing '' lots of money since the cards are so hard to redeem.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding has been attempting to collect a debt that was settled in 2018. They have tried to collect on this account through the use of incessant calls, threats of a judgement etc., and refuse to remove this account from my credit report.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ 59K+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH TOTAL AND XXXX  XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

Back several years ago my credit file got mixed up with someone who has very similar information as mine, they have the same name, and there ssn was a couple numbers different which caused me all kinds of issues. I have made equifax aware of this situation on multiple occasions and they never fix the issues or investigate and show proof of how they got the information. I believe now they get pleasure from seeing what problems these issues have caused me. I need these problems fixed now! See below the issues I'm having. 

I'm worried about a wrong address thats not mine- Please remove XXXX XXXX XXXX XXXX Ky XXXX since this could lead to fraudulent accounts. 

XXXX XXXX- I have 0 accounts and have never had an account go into bankruptcy with them. 

XXXX XXXX- I have no accounts and don't know who they are. 

XXXX I do not have any accounts with this company Target- I do not have any accounts with this company XXXX XXXX??? Equifax allows this company to report information about me even after I've requested information on who these people are, I don't know them and they have never provided me a contract with my name or ssn showing I've ever had an account.

Bankruptcy- I have requested several times that equifax provide me with official court documents with my personal information showing I have a BK, they have never provided me anything but continue listing this information. I have personally called the BK court and have asked several times about how this could happen and they stated information of this nature would never come from them!!! How can I have accounts listed in a BK if no one can provide me with information showing it even belongs to me???
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX Date XX/XX/18 Has not updated current employment as I have provide proof. Experian does not correctly have or provide the right information. I have provided time after time for the last 3 months and Experian has yet to correct there issues. 

As of this report Experian took off my current employment which is XXXX XXXX which is listed on Report # XXXX and on Report # XXXX XXXX XXXX is not on my credit report in which one again Experian does not provide correct information as to my credit report. 

I have attatch 2 curent employment which is not on report # XXXX which I have work for the past 2 years in which Experian keeps deleting it or not showing the correct employment.
Consumer complaint received 2018-06-21
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. (AR)

XXXX XXXXXXXX XXXX 5 accounts are reporting inaccurately. 
The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late. 
XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.
Consumer complaint received 2022-04-01
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. (MS)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: 21ST MORTGAGE CORP. (GA)

XXXX  changed my pay for a short time from monthly to biweekly which reduced my income monthly. I thought I was being helpful by contacting my mortgage company to let them know that I was trying to find a second job but my payment would be late. They offered me a 3 month plan so I could have time to fix the issue. I did fix the issue since a lawsuit b y 21 states stopped  the  XXXX  problem for now but they did not tell me that this would affect my credit. Not once did someone tell me this or I would have found a second job immediately or some other way to pay it. I called them a month in advance to let them know this was going to happen. I was trying to prevent my credit from being affected. I can not even buy another house now because people see that but they do n't see what really happened. That I lost funds due to the government changing the way I was paid. The fact that I had made all my previous payments early every time until then did not matter. I feel that since I was not made aware that " their plan would negatively affect my credit, it is unfair that I have to suffer for it. I have called and they refuse to remove it. I have disputed it and I was told that there was nothing they could or would do.      21st Mo rtgage,   XX/XX/XXXX ,    XX/XX/XXXX  and  XX/XX/XXXX  is whe n I agreed to the plan. My monthly payment is  XXXX  and out of th e two years th is was the only time I was late. Single mom who was left with all the bills by a   XXXX   XXXX   XXXX     man in   XX/XX/XXXX  and who w as barely making ends meet but I always pay my bills and this is unfair and unjust.
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been a victim of ID theft THIS IS NOT A DISPUTE. I have notified the XXXX credit bureaus numerous times on this crime and they are willfully, knowingly with intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. They are even allowing the alleged creditor to change the account numbers and dates to keep the fraudulent accounts on my report to cause me damages. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please see Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a violation of several sections of the FDCPA AND FCRA specifically sections 605 ( b ), 615 ( f ) and 623 ( A ) ( 6 ). PLEASE IMMEDIATELY REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS within 4 days of receipt of this report.
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery continues to contact me at my home and cell phone regarding a debt that I no longer owe. The original creditor XXXX XXXX, removed the negative trade line over one year ago because the statute of limitations of 7 years and 6 months had passed. I have exhausted all efforts to have the collection agency cease attempting to contact me. I have done so by writing the collection agency to address their dubious practice of illegally, and now unsuccessfully re-aging the original date of delinquency. I have spoken to several representatives, informed them that I do not owe the debt, and asked them to refrain from contacting to no avail.. I have informed the agency that I would attempt to seek legal remedies, beginning with the submission this formal complaint.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Upon opening credit lines for my husband and I, we called the credit card issuer ( PenFed ) and set up automatic payments. For some reason, the bank only set up auto-pay for my husband 's account but not mine. Consequently, my bill was paid over 30-days late, when we finally noticed the balance had not changed. We called the bank to complain in XX/XX/XXXX and they said they would investigate. We were then NEVER contacted with the results of the investigation and were forced to call the supervisor multiple times to no avail, leaving voice mails each time. Finally today, XX/XX/XXXX, we were able to get this person on the phone, just to hear him say they would not call the credit bureaus to retract the mistaken report of a late payment because it is, in fact, accurate. It's true the payment was made late, but the question is WHY. This was their fault, not ours, so we feel the credit report strike is unwarranted. They could easily pull the call record to confirm we asked for auto-pay to be set-up on both accounts and verify this was their mistake, but they refuse to do so. We have impeccable credit, which we have worked hard to attain. We do not want this undeserved stain on our record.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2024 TRANSUNION ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
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