davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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. (NV)

I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 and a second request on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 5 months now and I have not received any responses to my requests from TransUnion. I have enclosed a copy of my dispute letter along with copies of the USPS Tracking Details proving that TransUnion received my dispute letters on two occasions and has not formally responded to my inquiries.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have had a loan previously with this company XXXX. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use XXXX. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXX  ) since XX/XX/XXXX. I have sent letters and made calls to XXXX. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (LA)

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by Scammers which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2021-10-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc. (IL)

I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX XXXX XXXX. I was also told they would also need a 5 year verification letter stating I will be getting public assistance for the length of the loan. 15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. 

My complaint was previously closed because CPS attached a adverse action notice ( that I never received as required ) in response to the violations of discrimination. CPSs response to discrimination allegations was far from thorough. If no remedy is being offered, legal action will follow.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

My friend at my previous mailing address noticed a couple of emails in my name. On opening them, there was bank checks from TD bank and XXXX in my name and also a debit card from XXXX in my name. I have not opened these accounts and have no idea how my identity was used to open these accounts. 
I am scared on the extent of my identity theft and want to take all the possible action to prevent this from escalating further.
Consumer complaint received 2021-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$220.00}, {$110.00}, {$79.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$180.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$890.00} The first dispute letter I have sent to the credit bureaus was on XX/XX/2021. The following month after XXXX, I still see information on these items that are reporting inconsistently. For one, I have disputed XXXX XXXX with the credit bureaus and debt collectors. However, I still see information reporting erroneously. XXXX XXXX XXXX XXXX, for instance, the date of last activity is reporting on different months which is no possible way the accounts were paid on 3 different days. 

I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (FL)

Aargon continues to report a debt that I informed them that was not my account. They requested a police report that was filed and submitted to them on two occasion via fax as they requested and they continue to claim they have not received the fax. 

I'm attaching the police report for your office to forward to them. Failure to remove immediately I will file a lawsuit for providing false information on my credit report
Consumer complaint received 2022-07-20
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. (FL)

I have no acknowledgement about all these inquiries except for my XXXX I just purchased in XXXX, also the XXXX credit cards I have in my possession. I have a 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 I have to many inquiries on my credit. Can I please get some type of assistance? This is with all three-credit bureaus XXXX, Transunion, and XXXX. I am trying to correct this issue.
Consumer complaint received 2021-05-03
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. (HI)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Loan Applicant initiated a request for conventional loan to purchase an investment property with Wells Fargo, on or about XX/XX/2022. 

Wells Fargo requested a Letter of Explanation- Large Funds-Statement of Funding Source, on or about, XX/XX/2022. 

Wells Fargo requested a Source of Funds for Large Deposits-Statement of Funding-Source, on or about, XX/XX/2022. Documentation from Loan Applicant was requested to show the source of funds for several large deposits. 

The Loan Applicant provide Wells Fargo, a statement on or about XXXX XXXX to explain. The Loan Applicant 's Spouse performed several income distributions from a Private Entity. Further explaining the Private Entity is not a party to the Loan Application and will not be added the Deed. The Large Deposits and Source of Deposits is distributed income. Back and Front copies of each source of funds was provided to Wells Fargo. In coordination, with a title company the Deed will be assigned to the Loan Appliant only. 

Wells Fargo advised, on or about XX/XX/2022, the Loan Applicants explanation was insufficient. Wells Fargo requested access to the Private Business 's bank account records. The explanation given by Wells Fargo is that FDIC requires verification the Source of Funds is not foreign, illegal, ponzi scheme, or other forms of fraud. 

Multiple phone calls and emails were exchanged during XX/XX/XXXX to XXXX, XXXX. 

The Loan Applicant, during XX/XX/XXXX to XXXX, XXXX, requested clarification of Wells Fargo policy for Proof of Funds, Source of Funds, Underwriting and Closing procedures. 

The Loan Applicant, on XX/XX/2022, emailed Wells Fargo to advise he/she was considering cancelling the loan application due to unanswered questions. Wells Fargo 's requirement to pierce a Private Entity and an excessive means to verify the Source of Large Deposits. 

Wells Fargo, on XX/XX/2022, contacted the Loan Applicant to discuss the unanswered questions and to apologize. 

The Loan Applicant, on XX/XX/2022, inquired if Wells Fargo would accept a letter from a bank institution on behalf of the Private Entity. Such that if the letter written by the bank could validate the Source of Funds is active, in good standing, valid and legal. 

Wells Fargo, on XX/XX/2022, advised a letter written by a bank is not sufficient. The only way to suffice the Wells Fargo requirements is to provide the bank statements of the Private Entity.
Consumer complaint received 2022-04-28
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. (IL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belonged to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH , XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXXplease remove any other spelling or variations of my name they are not correct.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

This complaint is regarding account XXXX XXXX XXXX, which you claim I opened a credit account on XX/XX/2018 for {$350.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

BJ 's Perks Master Card by Comenity Capital Bank lost my payment. 
Electronic bill payment was made from XXXX Checking account on XX/XX/XXXX payment amount : {$1100.00}. Lost payment dispute was open in XXXX and still wasn't resolved. On XXXX Comenity Capital transferred all BJ 's accounts to XXXX XXXX. Now I have a new card and a new account, but still, I have the same debt. All my calls to Comenity or to XXXX XXXX didn't yield any result.
Consumer complaint received 2021-08-16
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. (VA)

Its been over a month since I sent you my dispute letter, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (FL)

On XX/XX/2021 I received a fraud credit alert from XXXX  that my credit was pulled with ( ONE MAIN FINANCIAL ). I did not apply for anything so I immediately called the number listed on the FRAUD ALERT and spoke to a representative at ( ONE MAIN FINANCIAL ). The ( ONE MAIN FINANCIAL ) representative said that they did not see any credit application in their system. I explained to them that I received an alert stating that there was an application for a loan, but I did not apply for anything. Again the rep said they did not see any application or credit pull. 

I then called the Credit bureaus to dispute the fraudulent inquiry and have it removed. It is now XX/XX/2021 and the fraudulent credit inquiry is still on my credit report.
Consumer complaint received 2022-04-28
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. (NC)

These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in XXXX and XXXX ) , XXXX , XXXX ( only reports to XXXX ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Citicards is a Racist company that refused to call me back. They obviously dont care about XXXX people and I will complain on XXXX again. XXXX charged me for {$47.00} on XX/XX/XXXX, I asked them to refund me. So the vendor XXXX gave me a refund for XXXX on XX/XX/XXXX. Then XXXX went against the charge XXXX Voluntarily gave me and charged me in XXXX for {$47.00}. So my charges dont add up, I am back down XXXX. Please refund me!!! They are racist and their racist customer service promised to do investigation and they never did.
Consumer complaint received 2022-04-28
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. (NC)

These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in TransUnion and XXXX ) , XXXX , XXXX ( only reports to XXXX ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

This is a new credit card I applied for, my first statement showed {$4.00} charge from XXXX  and another charge of {$99.00} from XXXX I called the credit card company and disputed the charges, I have no idea what these charges are. Also called XXXX and XXXX  to find out what this was for. this is not a legitimate company, they said i have signed up for healthcare and to read the fine prints from now on. I go to work and come back late at night to support my family I don't have time waste on websites and sign up for things i dont need. credit card company was not on my side saying they also called the company and they verified my info and i was responsible for the charges and was told it was for something I signed of for. I have no idea whats going on and am shocked that this could happen and my credit card company isn't on my side and the crooks are getting away with this. all i know is i have not received anything from that company nor do i want anything from them. they apparently have all my info so its no problem for them to verify things on my behalf. i hope my credit card company changes their mind and protects me. its amazing that this is going on. called again and guy helping me said he is re opening the investigation, hopefully we have a different result this time if not i will not let this go i know for a fact this is fraud and i will not let these crooks get away with this.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm really not sure what happened. I have mailed off letters to the XXXX  XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VW Credit, Inc (TX)

Today they have sent a tow truck to come and steal my vehicle in the middle of the night. I have told them that I want to rescind the transaction and they havent responded yet. They have violated my rights as a consumer. I have explained to them that everything was paid for and they still took my property.