davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IL)

I have XXXX account ( Health Spending Account # XXXX ) which operate by XXXX at XXXX WI for many years. On XX/XX/XXXX, I requested to transfer my XXXX account balance from this account to my current employer XXXX account which manages by XXXX. XXXXissued the balance transfer check ( Total amount is {$37000.00} ) to XXXX on XXXX XXXX XXXX But after weeks the money did not post to my XXXX account at XXXX. I contacted XXXX and XXXX both site customer services, I was told XXXX never received the check and the XXXX said check sent and been clear by XXXX XXXXXXXX XXXX on XX/XX/XXXX. I also been told XXXX XXXX XXXX is not the bank to operate XXXX accounts for XXXX. This money received at one of account at XXXX XXXXXXXX XXXX no one can tell who is the account holder. That check was been endorsed by an unauthorized without bank proper verification. But XXXX release the fund. After I contacted both site customer services multiple times. I was been asked to fill " Loss Affidavit '' to XXXX for further investigation. After I submitted that form for over XXXX month. I got a letter said denied my " Loss Affidavit '' form and ask to contact XXXX XXXX bank directory. I am not XXXX customer. I was told could not get help to investigate it at XXXX XXXXXXXX XXXX  I don't know how I can trace it and get my money back. I am filing this complain VsXXXX XXXX ( Subdivision of Webster Bank ). This bank is very irresponsible for my money transfer that causes this loss and created fault. I need XXXX to trace it with XXXX XXXXXXXX XXXX and get my money back to my account.
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 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 2022-12-01
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. (NC)

This is my FUTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My account with Capital One was settled in full XX/XX/XXXX. As of today XX/XX/XXXX it is still being charged off each month by Capital One. It was paid in full to XXXX XXXX by XXXX XXXX XXXX XXXX XX/XX/XXXX. I have the paid in full letter from XXXX. I have disputed with all 3 credit reporting agencies and have sent certified letters to both XXXX  and Capital One with no response. In fact, the XXXX I have sent are still at the post office unclaimed. XXXX sent on XX/XX/XXXX, the other on XX/XX/XXXX. All i want is the reporting to show correct as of XX/XX/XXXX showing as paid in full for lesser amount and the charge offs removed for the months from XX/XX/XXXX til now. I have all documentation that I have sent to submit to you. I am frustrated that i have received no response and it has not been fixed by either Capital One or the credit reporting agencies. They have never sent me any more bills on this account because its paid in full, still showing balance of {$3900.00} on all bureaus.
Consumer complaint received 2023-03-30
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. (FL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX ( XXXX 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, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

After receiving the initial notice of the debt, I called XXXX XXXX to get more information about the debts owed. In my conversation with the agent, she went through several common problems ( failure to submit notice to vacate, cleaning fees, rent owed, etc. ), but none of these situations applied to me as reflected by the payments on my account. She said that she would discuss this with her manager and return my call to explain the debt. My call was never returned, and I have not received any further communication until I received another collection notice this evening. I have attempted to contact XXXX XXXX multiple times since the original outreach, but my calls and messages have not been answered.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I was taking advantage of due to malpractice while several laws were being broken under the XXXX BY YOUR company. This has caused me FINANCIAL INJURY, DEFEMATION OF CHARACTER, I CAN'T APPLY FOR JOBS AND I CAN'T APPLY for CREDIT I can't even get an SBA LOAN OR ANY THING LIKE THAT DUE TO THE PANDEMIC under this crisis you have hurt my ability to obtain credit. My child and I are suffering, and my family have made a mockery of us, and my community has looked down upon me. I am ashamed of the things I am going through, and it is a nightmare for me and my loved ones. I am beyond fed up and I am willing to take this issue to the furthest extent of the law if a remedy is not presented under the federal law and uniform commercial CODE.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these remaining disputed items get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-06-08
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. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account number : 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 2022-06-08
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. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (FL)

The CFPB needs to review the billing dispute process at this banking institution. Never in my life, have I had such difficulty resolving a small dollar dispute with a credit card provider. Timely filed billing dispute case XXXX for a total small dollar amount of {$310.00}. Attached is just a part of the lengthy amount of information submitted to the business. In fact, the business sends an email dated XX/XX/2022 asking for an unnecessary piece of information requesting a " letter from a neutral third party ''. As requested, a letter was submitted, about seven days later, the business reaches out and asks for " a letter on business letterhead ''. The individual is self employed. The business needs to fix the wording they use if they expect a cardholder to hire a third party company for an expert opinion. 

Attached is a service invoice from the business dated XX/XX/2022, the business removed ALL of the equipment referenced in my original dispute. The dispute is valid, remove the charges from my account.
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I received a letter today XX/XX/2022 from Freedom Mortgage where the letter was dated XX/XX/2022. The letter was to inform me that they had contacted my homeowner insurance company for a copy of the updated insurance policy, and had not received a copy of the policy from XXXX as of the date of the letter. I called Freedom Mortgage to inform them that I had called XXXX today XX/XX/2022 to have the mortgagee clause updated, and that XXXX is to fax over a copy of the policy once their system is updated. I told Freedom Mortgage that I had also uploaded the policy as it is available ( prior to mortgagee clause being updated ) to the website provided. The gentleman at Freedom Mortgage told me that the force placed policy would be cancelled after they receive the updated documents that I uploaded to the site, and that I should not receive any costs associated with the policy. I told him that the regulations require I be informed of at least 30 days prior to force placed policy being applied against my account, and that the policy expired on XX/XX/2022 which was a non-business day, and that XX/XX/2022 is the first business day after the policy expired. 
This would lead me to believe that Freedom mortgage took out a policy prior to the expiration of the existing policy, and did not provide the required timeframes for me as a customer to resolve the matter.
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (TX)

There are multiple inquires on my credit reports that occurred on the same day or within days of each other that I did not authorize, nor do I have active accounts with that I would like removed from my credit profile. 

Flagship Credit XXXX XXXXXX/XX/year>
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (CA)

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

My card was stolen on XX/XX/12, and they used the my account to cash a fraudulent check in the amount of {$7100.00}. As well as a series of other charges. I reached out to the bank ( Wells Fargo ) to report it. They took 10 business days. shut down my account, had me calling endless times to get to reach out to resolve this. They ended up saying I was responsible for the fraud evencthough I did not do it.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequium Asset Solutions, LLC (TX)

SEQUIUM ASSET SOLUTIONS Located submitted XXXX XXXX XXXX obtaining information under false pretenses to the consumer 's credit corporation claiming to strike fear and under false pretenses, used FALSE impersonating to gain access to the consumer 's credit reports. Their claim and VIOLATIONS SUBMITTED information of being collector 's/ as well as claiming to be ATTORNEYS submitting a collect claim - a violation of the Fair debt collection practices Act. Also, the false. DECEPTIVE TRADE PRACTICES. By not notifying parties of the consumer 's dispute with FCRA. The CONSUMER will submit evidenciary proof in a report case information to the local authorities XX/XX/2022. Each XXXX  was given a different and more DECEPTIVE view of their DECEPTIVE TRADE PRACTICES than the NEXT XXXX  dispute XXXX XXXX. Alleged CONSUMER IS REPORTING VIOLATIONS AND DISPUTE TO CFPB AND FTC. ALONG WITH FEDERAL PROTECTIONS GIVEN. PRIOR BY THE FEDERAL SOCIAL SECURITY ADMINISTRATION MAKING THE CONSUMER " JUDGEMENT PROOF. '' I SEND THIS WARNING FOR THE COLLECTOR NOT TO AGGREGATE AND AGGRAVATE MY DISABILTIES ANY FURTHER.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX Original creditor XXXX Balance {$2200.00} XXXX XXXX  XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX. 
Balance {$530.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX. 
Balance {$1300.00}
Consumer complaint received 2022-09-08
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. (MD)

I am no able to file a disputed online i am looking over my credit report and I see a item that I would like to dispute.
Consumer complaint received 2022-06-08
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. (NY)

on XX/XX/22 I requested that XXXX financial cease and desist collections due to the fact that this account under XXXX law is past the statue of limitations which was XXXXyears and now that the new law have passed its XXXXyrs in XXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MS)

My identity has been stolen and is being used my Social Security number I have several hundred inquiries every day on my credit report Im not able to do anything with my credit all my accounts are hacked credit cards have been made in my name that I dont have anything to do with I cant keep an account without somebody breaking into and stealing information there have been banking accounts opened there have been major blocks on companies that Im never allowed to use again because of whoever messed with it created a lot of problems and had me locked out for life like XXXX XXXXEtc. I dont know what to do I tried to fix it myself and reach out to the company and the services and let them know that I was not the one making the accounts in creating everything under my name and Social Security number please help or let me know what I can do this has been going on a long time I have just been in denial Also I was reported deceased on my credit report at one time on experian.com and I have mail coming to the house for car insurance and things that I dont even own and Im constantly being profiled
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.