davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX 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 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 XXXX
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

Hello, I complained against IQ DATA collection company on XX/XX/2021. 
Complaint number XXXX. 
Unfortunately, this company is a XXXX. 
The company just did not submit the correct documents to you and invented very strange stories and legends. 
At the height of her XXXX, she approached all the credit companies against me and even at the height of her XXXX, she blocked my credit card. 
It hurt me in my economy and my family 's economy very much. 
It also hurt the excellent credit I had very much, And that's why I've been suffering for 9 months. 
Unfortunately, this company has no XXXX. Because she did all this during the difficult Covid-19 period, you went through all over America and the whole world. 
During this time I suffer greatly. 
I have contacted IQ DATA collection company many times. And I even proved to them that they were wrong. 
But unfortunately, it took so long till the company realized that they were wrong ( either they have no absorption, or they intended to hurt me ) after they realized, To date they have not removed their collection debt from all 3 credit bureau, Despite the many promises I received from them. 
And unfortunately, I had to turn to you again and ask for your help. 
Attached is a proof sheet of the mistake of the negligent collection company. 

I AM TRYING TO REFINANCE MY MORTGAGE BUT I CANT BECAUSE OF THIS COLLECTION COMPANY I demand from this despicable collection company. Immediately remove all the bad reports that have stuck to me from all 3 credit bureau companies.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2021-09-22
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: CITIBANK, N.A. (CA)

On XXXX, I placed a charge for a refrigerator from the XXXX XXXX -Order # XXXX, {$800.00}. On delivery date of the refrigerator, XXXX, I was delivered a wrong refrigerator. It was a cheaper model that I did not want or ordered. I told the delivery driver about the mistake, but he just took off. I spent at least an hour on 4 calls with the XXXX XXXX to sort things out. I called on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I wanted the higher price model I paid for and the wrong refrigerator picked up. I was told that I was getting a refund for the refrigerator instead but that never happened after 4 calls in over a month. 

Citibank required me to get a credit memo from the XXXX XXXX before providing any form of assistant. Getting a credit memo from the XXXX XXXX is not possible per the customer representative.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

I refinanced my auto loan and paid in in full. I have complete records of everything. 

Ally financial first took several months to report my auto loan as paid in full. 

I reported the issue with all 3 credit agencies. 

The account is now reported closed but Ally is reporting that I have a {$5000.00} balance to TransUnion when I have a paid in full letter from Ally and they released the title.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I was buying a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ON XXXX XXXX, XXXX XXXX : XXXX After contacting the Salesman XXXX XXXX by phone to know the availability of the tractor We started doing the paperwork by email which was the electronic bill of sale. What I signed after paying my {$1000.00} deposit with my debit card and waited for at least 5 to 10 business days for the paperwork to be done and to process the payment. 
I was communicating with XXXX XXXX by XXXX during all paperwork ( Bill of sale ) On XXXX XX/XX/XXXX I got an email by XXXX telling me my truck is ready and they just need the remaining balance. 
They sent me all the baking info for the Wire Transfer. 
On XXXX XX/XX/XXXX at XXXX I made a transfer of {$14000.00} at the branch of PNC BANK XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The Agent in PNC asked me why the bill of sale address is different from the bank address? Finlay we decided to put the bill of sale address in the bank account address. also the transfer was about to be clear in the beneficiary account on XX/XX/XXXX The next morning I got a call from XXXX XXXX saying my truck is ready. How would I make my payment? 
5 min while fitting the confusion with XXXX XXXX, I called PNC BANK Wire Transfer department to cancel the transaction on XXXX XX/XX/XXXX XXXX. 
From XX/XX/XXXX to XX/XX/XXXX I called PNC BANK more than 7 times to know the status of my transfer. 
Finally on XX/XX/XXXX they sent me a letter saying the receiver Bank says we have to contact the beneficiary and as a PNC they can't help me to get my money back. 

PNC BANK. 
As a customer of the PNC Bank, my bank must work with me on any banking transaction while banking with them. After 19hrs of the transfer I request the transfer to get cancel and a 9 business day of the clearance of money in the beneficiary account : I do have 99 % clear to get my money back My bank didn't help me at all.

I wish Could now from A-Z how the wire transfer works or how to track it by a tracking number and knowing where it is delivered. 

XXXX XXXX XXXX XXXX, I don't see how a scam can be able to use the company 's email address without their concern. 
that is really really regretful for me as a customers ...
Consumer complaint received 2021-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TN)

1. ) I had a XXXX account that closed on XX/XX/XXXX and it is still shows on my credit report Disputed Accounts. I owe {$0.00} to XXXX and this account shouldn't appear in my credit report. 
2. ) Another account that's shown in my credit report Disputed Accounts is XXXX/XXXX. This account was closed on XX/XX/XXXX. I also owe {$0.00} on this account and it shouldn't appear in my credit report.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I have disputed with the credit bureau about this debt and have screenshots of the debt amount changing and the debt opened date changing as this debt was originally showing a date of XX/XX/XXXX and now showing a new date opened in XXXX. I feel this company is just trying to keep the debt on my credit report longer by using incorrect dates.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

Fraud charges/unauthorized charges were made on my Venmo account. 

Dates and amounts of each transaction : XX/XX/2021 {$29.00} XXXX ; XX/XX/2021 {$0.00} XXXX ; XX/XX/2021 {$260.00} XXXX XXXX ; XX/XX/2021 {$5.00} XXXX ; XX/XX/2021 {$9.00}. 

Ive not given anyone permission to use or to access to my account. 

Additional Information : I live in XXXX, North Carolina. The day that these 5 charges occurred started soon after I placed an order with XXXX  in Washington DC to have groceries delivered to my sister. I have not used XXXX  in years probably and had to link my Venmo to make the purchase. I didnt even have the app on my phone anymore to give you an idea of how long its been. The order was being shopped when my sister needed me to change the address I provided. I changed the address, and the shopper then canceled the order. I then was assigned a new shopper who completed the order. Several hours following the delivery of the groceries is when the fraudulent charges occurred on my Venmo account. Three out of the 5 charges occurred during the middle of the night while I was sleeping. The email notifications came in the middle of the night, example, email time stamp is XXXX for the XXXX charge - the purchase time within the email is XXXX because the purchase is in Washington State - a different time zone then mine! I believe these fraudulent charges are somehow linked to my purchase through XXXX. Somehow my information was breached. 

I woke up in the morning to find the email notifications about charges made. Venmo makes it extremely difficult to figure out how to file a claim. I had to XXXX it because I couldnt find it on the app, not even through their articles full up tips. I then had trouble figuring out how to disable my account and in the meantime, 2 more fraudulent purchases were made. 

Reason for denial of disputes from Venmo : My account shows several payments received from other accounts during the time of the disputed claims. That logic is completely inaccurate. XX/XX/XXXX and XXXX is when the fraudulent charges occurred. The payments received in my account were XX/XX/XXXX and dates earlier. Despite this, Venmo is an app intended for sending and receiving money. 

These fraud charges were not investigated thoroughly and I want a resolution and my money back.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CO)

Im so frustrated because out there are many people complaining for the same thing, Wells Fargo, how they allow people to opening fraudulent accounts online, Im wondering how broke is the people who is on charge of online accounting center. I used to have Wells Fargo before but I had really bad experience, is there is someone using my identity, or many of other people identify, they should have more carefully while opening checking accounts. Hopefully one day their bank get fix at anyway
Consumer complaint received 2021-09-22
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: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX my credit card information ( ending in XXXX, now XXXX ) was stolen and used to make purchases at an XXXX XXXX and XXXX XXXX. 

I was contacted by someone claiming to be Chase bank at XXXX on Wednesday XX/XX/XXXX. They informed me that fraud had taken place and they were going to cancel my card. They asked for a code that was being texted to me to confirm I wanted the card " canceled '', when I received the code the number was from my Chase Debit Account so I didn't think much of the validity. I did not provide any other information. I did not tell them my credit card number. They told me my card would be canceled and a new one sent to me. 2 days went by and I noticed these purchases on my account so I called Chase to ask why my card hadn't been canceled before. They told me that they had no record of someone at Chase calling me and there was no claim to cancel my card. 

The people who called me were the ones who added my credit card to their phone wallet to make purchases in person, making it harder for me to dispute them. 

The purchases were made in person because the criminal added my credit card information to their apple wallet on their cell phone. I did not authorize these purchases, I don't even know what they bought. I do not know who this person is. 

The amounts were : {$1200.00} - XXXX XXXX {$1100.00} -XXXX XXXX {$12.00} - XXXX XXXX XXXX  and XXXX XXXX They tried to make a order to through XXXX from XXXX XXXX XXXX  ( image added ) but that order didn't go through and has since been removed entirely from my statement. 

I reached out to my bank and they canceled my credit card, issued me a new one and informed me that the case was covered and they returned the stolen money to my statement. 3 weeks later the transactions were back on my account without notice. I contacted Chase Bank and they informed me that this was not considered a Fraud Claim but a Dispute so I would need to refile a claim with Dispute department. Despite me explaining that I did not qualify for a dispute because I did not make these purchases, nor do I even know what they are for, they continued to give me the go around. Every time I called no department seemed to know where I should go. This went on for 2 weeks of me calling and going in person to the Chase branch near me. 

Eventually they agreed to reopen my claim, and on XX/XX/XXXX I was informed that they again decided the purchases were valid and would not be reimbursing me. 

I have contacted XXXX and they won't help me because I no longer have the correct credit card ( It was canceled and I was told this issue was put to rest so I got rid of it ) and since I don't know what the purchases were for ( As I didn't make the transaction ) they couldn't help. 

I have filed a Police report.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CO)

AFTER paying a {$390.00} application fee on XX/XX/2021, for a mortgage refinance to US Bank, I was informed that the fee is non-refundable. A full 2 weeks after the fee was collected ( XX/XX/2021 ), I received a file of dozens of pages of documents to sign in which I discovered, buried somewhere in the middle, that the fee is non-refundable. Moreover, it was not until 3 weeks after the fee was collected ( XX/XX/2021 ) that I received the disclosure stating the application fee " may not be '' refundable on which appeared my husband 's signature, BUT NOT MINE. According to US Bank, he is able to enter into a legal financial agreement for which I am also responsible without my consent. We have asked US Bank to return the fee to which we both did not consent, but most importantly to which THEY DID NOT DISCLOSE TO BOTH RESPONSIBLE PARTIES THAT IT " MAY NOT BE REFUNDABLE '' UNTIL AFTER THE FEE WAS COLLECTED.
Consumer complaint received 2022-08-12
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. (CA)

Equifax continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Equifax several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. Ive also reached out the XXXX XXXX of XXXX XXXX who has stated they DO NOT VERIFY ANY INFORMATION WITH CREDIT BUREAUS. Since this is the case, its obvious that Equifax has not conducted an Investigation and has violated my rights under the FCRA
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. THE LATE ACCOUNT LISTED BELOW IS STILL FOUND AND NEED TO BE CORRECTED AND UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (OH)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

I was notified by my bank about a year ago about credit card fraud where the person used my XXXX account and ordered various items on my debit card and/or through my XXXX. I was told by the bank to file a report with the police which I did and also contact the three credit bureaus. I assumed everything was straightened out but it was not and I recently received a noted saying I am going to be sued by a credit collection agency, actually two of them. Can someone help me out with this? I have tried to contact the collection agency to no avail, yet I have been reading they have been noted to sue people in an unjust way? Can you help me please??
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.