davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-05
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. (MN)

The following collection account and credit inquiry listed on my on my Trans Union and XXXX  credit report is fraudulent, unauthorized and not my account or credit inquiry : XXXX XXXX XXXX, XX/XX/2018 and XXXX, XX/XX/2018.
Consumer complaint received 2024-02-12
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. (OR)

I contacted Trans Union due to the fact that there were several non-mailable addresses, phone numbers emails, several different names that did not apply to me And ask them to remove them from my credit report, as well as ask them for the third-party agencies that shared this information and violated the privacy act of 1974 trans Union did remove them from my account but would not share the third-party agencies as to. I am eligible for compensation at {$1000.00} per violation from this company and I am looking for my compensation. There was XXXX items removed from my account that I am owed compensation for as well as the physical and emotional distress. This has caused me from being denied due to these items, being on my account and impacting me and many different ways! I am looking to report these companies and also collect compensation due to this. I believe I am owed XXXX for the XXXX items and another {$8000.00} for emotional and physical distress for a total of {$27000.00} from TransUnion. They have violated these statues and rights and violations of privacy information and I Opd out of this! As well as reporting payment history which is illegal and charge offs which is a certificate of inedebtness and is reported as income and is not reportableTrans Union, XXXX, and XXXX have all violated these laws and I would like compensation for that as well {$1000.00} per violation I am counting over 40 violations on my credit report, as well as a physical and emotional distress due to not getting fair credit they are all guilty for violating the privacy act of 1974 and many other federal laws and they have over 50 inquiries on each creditors report that are illegal a well! 


Rights violated - Privacy act of 1974 Ucc 1681 Ucc 1692 15 usc 6802 -6805 16cfr 313 16 car 433.2 & 3 15usc1692
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am consistently monitoring my credit score through Experian. I paid my balances on credit card even before the due date to make sure that my credit score would go up. My score on XX/XX/2022 was still XXXX. I was hoping to increase it more since I've paid all my credit cards. However, when I checked it last XX/XX/2022 I was surprised to see my credit score went down to XXXX points. It went down to XXXX ; hence, instead of having a good credit, it became on the fair credit margin. I tried contacting Experian over the phone but there was no response, and there was only an automated operator giving prompt and redirecting me to another automated operator. I called them 4 times to speak with their representative but they do not have anyone to explain why my credit score went down. I hope you could investigate this case because I've been trying so hard to get my credit score to go up, but their report doesn't seemed accurate.
Consumer complaint received 2023-03-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I had a financial hardship during Covid and am struggling to recover. Right path servicing posted today ( under miscellaneous ) a trial plan XXXX $ more than my original loan payment and an interest rate 2 1/2 points higher than my original loan. This was never sent to me by mail. The other posted letter says I have not made my trial payments and the agreement is void. I have never seen any agreement before this. I was ask to correct documents. I think Im being set up to fail.
Consumer complaint received 2023-04-05
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. (CA)

I am writing this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

My wife and I tried to get a new cell phone plan. We learned that our credit reports were frozen. Yesterday ( XXXX ) I worked to contact all three credit report companies to have the freeze temporarily lifted. I was successful in doing this with XXXX and XXXX  since these firms have human customer service agents who worked with me to fix the problem. Experian, however, is another story. No matter what I did I was not able to fix this problem, and I was unable to get connected to a human agent. I later learned that Experian doesn't have any human customer service agents working in the US. I had to send them a letter with my personal information and will have to wait to get a resolution. They are essentially holding me for ransom. I suspect that if I had a paid membership, they would provide human support. This XXXX company SHOULD NOT be allowed to do business with Americans and collect money on their " service '' and selling our data without providing human customer service as do the other firms that are American companies. I would love to be able to " QUIT '' Experian. But I can not since they have me and every other American by our short hairs. The CFPB should FINE and heavily regulate Experian and encourage congress to pass a law forcing all credit reporting companies operating in the US to provide human customer service with a waiting time not to exceed 10 minutes. I have sent letters to my Representative in the House and to my two Senators with this same complaint.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (FL)

On XX/XX/21 a formal complaint was sent to Equifax for reporting inaccurate and incomplete information. Received information back from Equifax stating that the disputed items have been verified. On XX/XX/21 a letter was sent to Equifax to verify the method of verification and equifax has not responded. Under federal law Equifax has 15 days to respond to request and there was no response at all. I demand that the disputed items be removed from my report.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Dear Sir/Madam, I am writing to formally file a complaint against Wells Fargo regarding a recent incident involving a failed XXXX payment . Despite my repeated attempts to resolve the matter directly with Wells Fargo, I have encountered significant obstacles and remain unsatisfied with their response. 

On XX/XX/2024, I utilized Wells Fargo 's services to send a {$100.00} XXXX payment to a recipient who is registered with XXXX and is also a customer of Wells Fargo. The intended recipient 's details are as follows : Name : XXXX XXXX Phone Number : XXXX However, despite the deduction of funds from my account, the payment was never delivered to XXXX XXXX. Despite my efforts to seek clarification and resolution through multiple calls to Wells Fargo 's customer service, I have been met with evasive responses and a failure to address the issue effectively. 

According to Wells Fargo representatives, the failure to deliver the payment was attributed to a purported token issue within their system. Despite this acknowledgment, Wells Fargo has refused to accept responsibility for the failed transaction, claiming that it falls outside their jurisdiction. 

Not only has Wells Fargo failed to deliver the funds to the intended recipient, but they have also neglected to provide any information regarding the whereabouts of the money. Furthermore, despite my insistence, they have failed to initiate the refund process. 

I believe that, given Wells Fargo 's history and pattern of fraud, their handling of this matter constitutes a blatant act of fraudulent behavior and a violation of consumer rights. As such, I am seeking your intervention to ensure that Wells Fargo fulfills its obligations to deliver the funds to the intended recipient or issue a prompt refund. 

I urge you to investigate this matter thoroughly and take appropriate action to hold Wells Fargo accountable for their actions. Additionally, I request that measures be implemented to prevent similar incidents from occurring in the future and to safeguard the rights of consumers. 

Thank you for your attention to this matter. Your office will take the necessary steps to address this complaint and ensure a satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (WA)

The issue initiated when I filed a dispute over another credit card erroneously debiting my account. It later developed that I settled this dispute and informed Synchrony Bank. 
When they sent me an Affidavit to confirm this dispute I called Bank again that I had settled this matter. Nevertheless they placed a HOLD on two Savings accounts of mine with total exceeding {$6000.00}. This is our Household Account from which we pay our bills. On XX/XX/XXXX I noticed this HOLD, immediately informing Bank. An agent said she would escalate the approval for removing the Restriction. It is now XX/XX/XXXX and the Restriction remains and am told another up to three business days it shall be lifted. 
In the meantime I have bills to be paid, one bill returned to them subject to handling fee.
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On multiple dates ranging from XX/XX/XXXX to present I get multiple phone calls a day from PRA Group, INC. Phone numbers all come from various parts of the nation from multiple area codes. Most recently from an XXXX number. I have no outstanding debts with this company and when I try to call any of their numbers back or when I answer the phone there is music playing and I usually hold off for a few seconds then hang it up. This company is harrassing me and call at the most inconvenient time including while I'm sleeping in the early hours of the morning starting around XXXX XXXX. I want this investigated please.
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX 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.
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX is reporting a charged off account with a balance of {$460.00} on my credit report that was charged off and written off as a loss to the IRS and they are still trying to collect on this debt which is outright illegal.
Consumer complaint received 2020-07-08
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ZWICKER & ASSOCIATES (GA)

ive tried to pay my XXXX XXXX card three months ina. row while i am always told they cant take my payment but zwicker and associates is taking it. and then, when I am transferred, I am told that they can not access my account or receive payments from my account unless I emailed them and some other company releasing my information to them but they doesnt seem necessary or even legal bc if they had the legal right to collect on this account or XXXX XXXX why would i need to email a collections agency asking them to collect on my file?? 

I have now tried for three months to make payments on this account, and as a result of them, not taking a payment and making it impossible for me to make a payment I now have a charged off account as well as 3 new late payments on my credit report and then continue to report late as they continue to not accept my payment. This account shouldve been paid in full in XXXX and remove completely. Instead my credit continues to suffer. American Express is who own the account and if they sold it to someone who cant take my payment how am i supposed to pay it??? and XXXX months now of late payments has destroyed what hope i had to fix my credit. 

their answer is always to call but they do not help nor take payment when i call. again im stuck trying to pay and they wont take my money.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024 Wells Fargo abruptly and erroneously closed my business checking and savings account and transfer the funds out of both accounts into their own. 

I visited my local branch several times and they could not help me and suggested I go online to resolve my issue. I have gone online and filed multiple complaints and called several customer service numbers to lodge a Presidential Compliant '' with the bank.

Every person I have spoken to informs me that they will escalated the situation and a case manager will contact me. I am then assigned a case number to my complaint. 

As of this writing, XX/XX/2024, I have numerous case numbers and the funds from my account have all but disappeared. No one from the bank has an explanation. 

This action taken by Wells Fargo has put my company in jeopardy. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and we received payment for our services via ACH | EFT transactions from the federal, state and private insurance companies. In the past week, we have lost thousands and thousand  of dollars in payments and vendor and payroll checks are unable to clear. 

They have effectively defunded my company and put my staff at risk of losing their jobs and security.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc. (CA)

I repeatedly have to come here and do complaints because the self reps that's are overseas arent trained to answer basic queastions!!! PLEASE TRAIN THEM PROPERLY! And everytime i ask to speak to a manager none is ever available. 


XXXX. I asked when will i be receiving my self credit card? I meet the requirements. The rep kept talking about my old self credit card XXXX  What is the exact date it will be mailed? The app also needs.to have me transparency and tell is these dates. 

XXXX the credit builder I you numerous messages it will report to the credit beaurus " soon '' a day after payments.WHAT DATE WILL THIS START HAPPENING? Again transparency. Will the self credit card do the same? IF SO WHAT DATE????
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

Husband passed on XX/XX/XXXX Husband had a XXXX  checking account with a line of credit XXXX dollars. 
Before he passed maybe a year before. 
When he passed months later I received a bill from Citibank stating I owed for the line of credit. Fees added up and it came out to XXXX. 
XX/XX/XXXX. XXXX I went in to the branch and paid it off in person hoping to get fees waived but no one helped me with that. They said I had to call another number for that which I did no help at all. 
They said since I already paid it they could not wave any fees. 
My complaint is my husband was the Maine account holder but I paid it anyway. Also since I paid it its still showing in my credit report the full balance.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

Around XX/XX/XXXX I notice my credit dropped. Synchrony Bank/Paypal credit had a charge of XXXX dollars and said I paid XXXX dollars on the account. They also said I had another name on the account. The account they had was not mine the account numbers didn't match. I had an XXXX dispute. The only they did was update the account numbers. The payment of XXXX  dollars was not mine. This account has been closed since XX/XX/XXXX.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

This incident occurred in XX/XX/2023. Since then I have found the suspects real name. 

Under the XXXX XXXX app by Crypto.com., under the browser the site XXXX was used to deposit in ETH and make transactions. After all transactions were done, I wanted to withdraw the funds. Taxes and a retainer were asked before funds were released. After payment notification of withdrawal was stated. However after XXXX business days nothing was deposited. Numerous attempts were made to customer service for an update. Friends, friend was able to locate the missing money in a random wallet, however the wallet is locked and software is required to unlock it to move it XXXX XXXX. 
I have my wallet address through XXXX XXXX, and have a list of all the wallet address funds were sent. I was told that after each transaction the wallet address would deactivate so it could not be traced on the XXXX. Which is not supposed to happen. 
As mentioned earlier, XXXX wallets that have my money were located ( ETH and BNB at the moment ), but can not be taken out because it is locked. In order to get it out the log cost is {$9000.00}. Funds are moving from address to address.
Consumer complaint received 2020-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Two fraudulent debt collections ( in the amount of {$320.00} and {$210.00} ) have been filed on my credit report from Phoenix Financial Services, LLC. After calling them, they stated that I have unpaid debts from XXXX ... ( Please note that this alleged fraudulent debt they are trying to collect is more than 7 years old ) On XX/XX/XXXX, I requested a debt validation letter but was told I needed to wait 2-3 weeks for it to be sent. One full month later, no debt validation letter has been delivered. 

On my last attempt, I sent a letter ( via certified mail ) to Phoenix Financial Services, LLC requesting that documents validating the debt be sent. To this date, no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. Phoenix Financial Service has failed to validate this alleged debt within the 30 days allotted time frame pursuant to 15 U.S.C section 1692g.

I request CFPB to take the necessary steps to protect me from this fraudulent action by Phoenix Financial Services, LLC
Consumer complaint received 2020-07-08
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. (AR)

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from myreport as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX DEPTEDXXXX XXXX {$8500.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00}
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fig Tech Inc. (FL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments Figs XXXX XXXX as XXXX XXXX XXXX XXXX XXXX Oregon XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely,