davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I attempted to purchase XXXX XXXX Tickets for {$350.00} through Wells Fargo 's online banking app via XXXX. The funds were sent to the recipients bank called XXXX XXXX XXXX. 

Within 30 minutes from making the transaction and NOT receiving the tickets I filed a claim with Wells Fargo to stop the transaction. Wells Fargo responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( XXXX XXXX XXXX  ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing Wells Fargo could do and that the claim was closed. I've asked them if they could verify that the stolen/illegitimate checking account could be shut down - WF says that is up to XXXX XXXX. XXXX XXXX  will not discuss another account with me because I'm not their customer. 

However, Wells Fargo did tell me ( and I've learned ) some interesting things. In the letter they said that my transaction was initiated on XX/XX/XXXX. It did. They also say that this transaction did not post until XX/XX/XXXX ( 2 business days later ). This was after my dispute was filed and after they " opened '' their investigation. Fishy. I have attempted to recover these funds with no success. I have also filed a police report. Wells Fargo also advised my to hire a lawyer. I am not sure why they would recommend this is as I believe they are advising me to sue their institution to recover my funds.
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I had fraud charges on my bank account that were done through XXXX that weren't mine. I have attempted to go through my bank three times but they keep denying saying because I have used them before they aren't honoring but i didn't do these and this caused me financial hardship. These were debit card purchases using my card. I received zero benefit from this and can't believe my bank isn't assisting me 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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CO)

I noticed a charge of 13000 plus and i already tried to reach out to cfpb and to XXXX XXXX with synchony bank. Called her several times. ( without a call back ) My credit went plummeting! CFPB what a joke! You closed case after respondent said good
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on XXXX of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate XXXX XXXX ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance $ XXXX {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

For many years I've been very happy with the service and professionalism with not only the PayPal services but also the PayPal team that have assisted me but since 3 days ago I've been very agitated and annoyed with the way you have handled my current account limitations for simply transferring my money from one of my bank accounts to the other while also gaining membership points in the process for doing so, the reason I use PayPal for these transactions is because it's a lot more quicker and easier this way. 

Just to also take note I had called multiple times while also providing my ID, Bank Statements and all other information required and fully cooperated with your requirements you needed at your end. 

Myself and my legal team had taken a deep look into your assumed 'violations ' to the Acceptable Use Policy along with terms of service and had not found where I have supposedly violated these terms. 

Personally I make sure to read all the legal jargon in regards to the terms of use etc so I know what I'm allowed and not allowed to do. 

Regrettably if this issue has not been resolved in regards to the 'permanent limitations ' account issue I am facing and you do not allow me to withdraw my funds totalling XXXX I will have no other option but to report PayPal to the Financial Ombudsman, Trading Standards along with the XXXX XXXX XXXX until this has been resolved. 

Until I hear a response I'll be making preparations to file these reports. 

Many Thanks XXXX XXXX Email : XXXX XXXX
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: Experian Information Solutions Inc. (PA)

Reached out to company in regards to experian in regards to fraudulent account on report. Supplied documentation and opened dispute backed in XX/XX/2022. 
Account came back " verified '' without proof & verification of debt that i requested. 
Experian failed to remove accounts which is a violation of my consumer rights. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
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: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (TN)

Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (GA)

I have advised Experian on several occasions that I was never late on any of my open accounts in XX/XX/XXXX, or XX/XX/XXXX. I have provided proof that these accounts where not paid late. I have also advised that the accounts reporting in collections are not mine and may be a result of identity theft, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Experian has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2023-04-01
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. (CO)

XXXX XXXX XXXX, with original XXXX XXXX for XXXX is still showing on my credit report, when I have consistently reported information incorrect, and due to possible fraud. It needs to be removed immediately, otherwise I will take legal action. 

The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after confirmation of errors.

A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.
Consumer complaint received 2022-04-29
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX
Consumer complaint received 2022-08-11
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. (WI)

In accordance with fair credit reporter act 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 I also states a consumer reporting agency can not publish or furnish account without my written consent or instructions
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2022-10-14
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

I did some transactions through US Bank on XXXX XXXX XXXX and found out these transactions were a scam. Because they were cash transactions in the amounts of {$52000.00}, the bank said they didn't know what I did with the cash, so they couldn't reimburse me. 
They reimbursed me for two receipts because they were on my debit card. I told them I had other receipts, but they said they wouldn't look at them because these receipts didn't say what I did with the cash. The bank told me I could have kept the cash and gambled it away. Actually I used the money to help someone who I thought I could trust. I got XXXX. 

My family has been using this bank for over fifty years -- my grandparents, parents and now me. In all these years this is the first time that anything like this has occurred. I was always taught that the bank helps you in times like these. Now, because they don't know what I did with the money, they can't help me. I've already paid off the 3 loans I took out and my credit card was reimbursed through the credit card company. Scams happen frequently, and I was totally unaware this was a scam. I got robbed. 

I feel a fair solution would be to reimburse me, as this is the only time in over fifty years of family banking that something like this has occurred. As I have never encountered this before, I will now be extra alert and more careful about how I do transactuons. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (CA)

I requested validation of debt on XX/XX/XXXX from PINNACLE CREDIT SERVICES , LLC Address : XXXX XXXX XXXX, XXXX, SC, XXXX Date Opened : XX/XX/XXXX Amount of debt : {$300.00} In my validation request. I requested " Original Account-Level Documentation '', Purchase Contract and Reasonable Investigation. I asked creditor to verify name on original contract, address on original contract, date of birth on original contract, and signature on original contract. 

I also informed creditor to please investigate but Creditor refused to provide reasonable investigation and original account-level documentation. Creditor sent me a letter demanding I file a police report, sign a affidavit, and contact the original creditor for the original contract. 

Creditor continue to report this collection on my creditor report without account-level documentation, purchased contract, and reasonable investigation. Creditor falsely informed my credit bureaus they verified debt. Creditor violated same rules as XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, AND XXXX XXXX. XXXX ADMINISTRATIVE PROCEEDING File No. XXXX XXXX
Consumer complaint received 2021-11-06
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: WELLS FARGO & COMPANY (CA)

I noticed a fraudulent ATM withdrawal on XX/XX/2021, for {$86.00} plus a {$2.00} non-wells fargo transaction fee dated XX/XX/2021. 

I submitted a claim and my claim was denied. I called Wells Fargo and the only thing they could tell me that they did a thorough investigation, but they would not disclose how they investigated. 

I have never been to the address where the ATM is located, so it is not possible that I made this transaction.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (GA)

My Husband and I have been threatened on numerous occasions by this mobile home park for the last year. In XXXX of XXXX we were taken to court for an eviction hearing. During the eviction hearing it was ruled by the Magistrate court for the eviction to be dismissed and for my husband and I to pay only {$500.00} per month. We did as the courthouse instructed only to be told by XXXX XXXX that we were to pay more money. When we attempted to pay only what was court ordered to pay, that amount was denied and then we were threatened to have another amount placed on my credit report. In XXXX of XXXX my husband and I were contacted by the property managers of XXXXXXXX XXXX again to collect an amount that was not owed. Once we informed them of what we would pay and that we were moving. The property managers stated that we could not move until we paid them all of their monies and if we tried to move they would place this amount on my credit report. 

Through several attempts and applications my husband and I were able to finally find somewhere else to move to, only to be informed that the property managers of XXXX XXXX had already placed the amount on my credit history and we were denied housing. Therefore we attempted another place to reside, and we ( my husband and I ) had to inform this property manager of what was going on. Thankfully this property manager was willing to work with us and we were able to move. Then on XX/XX/XXXX I received mail correspondence that the property managers did in fact sell the debt to a collection agency and now I have received letters and phone calls from this agency trying to collect this debt that is not owed.
Consumer complaint received 2021-11-06
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. (SC)

XX/XX/2021, {$0.00}, XXXX has obtained my public information and sold it to Equifax, XXXX and XXXX. Equifax, XXXX, and XXXX state on their website that they obtain local, state, and federal courts info THROUGH a third party vendor, XXXX. Without my permission, XXXX purchased my information from XXXX and sold my information to Equifax, XXXX and XXXX. The United State Bankruptcy Court, XXXX XXXX of North Carolina Deputy Clerk mailed me a letter. I have attached the letter to prove that XXXX did not get MY background information from the federal court of North Carolina. The deputy clerk states in the letter that access to bankruptcy files are made through the XXXX system. I researched XXXX and went on the website. In order to get my public records I had to pay a fee. Which means XXXX had to purchase the information about me and sold it to all three credit companies. THIS IS A VIOLATION of the Fair Credit Reporting Act. Laws 15 U.S code 1681, 15 U.S code 1681b, EQUIFAX, XXXX, and XXXX clearly violated these laws, 15 U.S code 1681m. I was never notified Orally, in writing or by electronic NOTICE of the adverse action to my consumer credit reports. Another law they have violated is 15 U.S code 1681c-2, 15 U.S code 1681b. I have disputed this twice with each agency and it came back verified! This is another violation of 15 U.S code 1681i.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

Within the last week I contacted ERC to pay the my debt and ask for a letter of deletion. I was told that they were not able to give me a letter and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke to a man to pay my debt and he said he would be able to give me a letter of deletion so I paid the debt and after that I was transferred to another person. They said I would be able to get a letter from an XXXX XXXX XXXX store, so I went there and was told Im not able to get a letter. So I called back to XXXX XXXX XXXX and was told I need to contact ERC, because they sold the debt to them and XXXX XXXX XXXX does not deal with creditors. So I called ERC back and they told be XXXX XXXX XXXX should send me a letter since I paid them, and ERC will only give me a statement saying my debt was paid. Called XXXX XXXX XXXX and asked to speak with a supervisor and was told they do not have a direct line to a supervisor and could not give me a phone number to call.