davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

During the withdrawal process at a drive through ATM on XX/XX/22 at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I forgot to get the dispensed money from the ATM. I returned a couple of minutes and reported to banker at XXXX location for assistance. I was advised to call a toll free number and report the incident immediately which I did. I received notification later the next week that a credit would be allocated to me while this was investigated. 
On XX/XX/22, I received notification that this credit had been awarded in error and would be reversed on XX/XX/22. I contacted the claims department immediately to discuss this incident and ask for assistance confirming that I hadn't infact received the money I intended to withdraw. The department reps stated that unfortunately they couldn't assist me as these investigations had been concluded and this reversed credit would be in effect as of XX/XX/22. 

I didn't receive this withdrawal and have requested the bank to review their XXXX XXXX to investigate this matter and return my money ( {$200.00} ) and haven't received any response back. 
Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FISERV INC. (CA)

**Also see XXXX complaint number : XXXX Fiserv closed the prior complaint without sending me the money they owe me. I left voicemail at the number they provided in complaint above and they didn't return my call. 

Fiserv did not provide me a reliable contact number or assigned agent to deal with the complaint above. 

Fiserv did not respond to my demand for lost interest and compensation for my time due to their possibly illegal business practices.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX, GA. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (MD)

I need to access my Robinhood account because there are tax documents from the year 2021 that I need to access. The company has refused to allow me access to documents that I am required to have BY LAW with information that I need in order to fill out tax returns properly and in compliance with the law. By the same token, the uneducated employee who was helping me who I presume is XXXX XXXX who lists on his XXXX profile is the former XXXX XXXX XXXX XXXX, no longer works at the company and based on the terrible experience I had with him XXXX harassing me and reporting his egregious conduct to XXXX XXXX, their head of XXXX XXXX, I am not surprised at that. 

The proof attached is whenever I go to log into my Robinhood account, it says it can not log me in from the credentials I have provided. I will be attaching a screenshot of what I am getting when I try to log into my old Robinhood profile, the one I had for 5 years and told me I was allowed to have while I was studying in another country when I was preparing to leave in XXXX 2021 and then all of a sudden went back on their own word. That account.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-06-02
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. (OH)

There is an address that is being reported on my credit report that I haven't resided at before and I would request that it be removed from my report. Also, I am requesting a full credit report with the updated information, please. 
XXXX XXXX XXXX XXXXXXXX, OH XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2020 I submitted a complain ( XXXX CPFB ) becuase somebody try to use my identity to open credit cards or something else. This was not me because I always see my credit report. Comenity Bank was one of the banks that got one hard inquiry. They answered this complaint on XX/XX/2020. 

XXXX XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Were responding to your correspondence about the XXXX XXXX XXXX XXXX XXXX Application XXXX. 
Dear XXXX XXXX XXXX, XXXX : Were Comenity Capital Bank and we handle everything related to the XXXX XXXX XXXX XXXX  XXXX credit card. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( Ref. No. XXXX ). Weve reviewed it, and heres what weve found. 
On XX/XX/2020, an application for a XXXX XXXX XXXX XXXX XXXX credit card was submitted using your personal information. 
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report. 

I will adjust this card from Comenity bank. 

The problem is that after this complain they give a credit card to somebody else in my name is a Victoria 's Secret credit card. After that they have been calling me regarding this situation and they want me to pay for those expenses even when I have told them several times and this was not me. 

My credit score have being impacted because of this problem it when down from XXXX to XXXX because of this situation. 

After that problem that happened in XX/XX/2020 I had put an identity theft alert on my credit and freeze it to prevent it happen again for the next 7 years so nobody can use my credit without or do hard inquiries without calling me. 

Please I will appreciate your help with this situation
Consumer complaint received 2022-11-19
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. (IA)

i previously disputed XXXX XXXX on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by transunion and experian! I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.
Consumer complaint received 2023-03-10
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. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (CA)

I have been repeatedly contacted at my place of business relating to a debt that I do not owe. In fact, not only do I not owe the debt, but the debt has been falsely placed on my credit report and is falsely reporting to XXXX XXXX, XXXX, and XXXX. I have been contacted by Southwest Recovery Services who is falsely reporting and attempting to collect a debt on behalf of a company for which I have NEVER conducted business ; XXXX XXXX XXXX. I have been contacted at my place of business nearly five times. Each time, I have asked that the company who is attempting to collect my FALSE debt, please perform a debt verification. Each time, the company states that they will follow up by sending to my physical address the proof that I'm derogatory in any way with XXXX XXXX XXXX. To date, I am STILL getting contacted on a recorded line ( both their company AND mine ) and each time there has been XXXX follow up by either Southwest Recovery Services OR XXXX XXXX XXXX. This is a clear violation of my rights under the FCRA and the FDCPA. I have been researching my rights under both laws and I am being financially harmed. I am unable to obtain business financing due to the gross negligence in my credit sceario. I'm attaching proof of such violation in the following attachment ; as the most recent call was captured and recorded.
Consumer complaint received 2022-11-19
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: Aldous & Associates, PLLC (NV)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ALDOUS & ASSOCIATES PLLC, Has violated my rights 15 USC 602 A, States I have a right to privacy 15 USC 604 A Section 2 : It states that a consumer reporting agency, corporation, company can not furnish an account without my written instructions 15 USC 1681C. ( A ) ( 5 ) Section States : No agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report for more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2022-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022, Bank of America placed a hold on my account, in the amount of {$880000.00}, in error. They were attempting to solve a problem that was already solved 30 days prior. The error caused many transactions to be declined, items were returned, and fees were incurred. 

Bank of America has refused to acknowledge their mistake, nor will they agree to reimburse me for the fees incurred, as a result of their error. This error has caused harm to reputation, I did not have access to operating capital for two days, and I was late processing my company payroll. 

Please see the attached documents with the full details, and proof of my claim.
Consumer complaint received 2023-03-10
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-27
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints several times already but still, these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still nothing has changed. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-10
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

Hello I purchased an {$830.00} XXXX XXXX  on XXXX  on XX/XX/2020. After several days of waiting ( about 10 days ) and lack of shipping info from the seller, I sensed I probably never going to receive the monitor and the seller might be a scammer, I decided to open a case on Paypal. Paypal is the method I used to purchase this monitor. However, it takes me 2 weeks to receive a refund from Paypal, I couldn't wait for that long due to the need for school work, and I found out it only takes three days for me to receive the refund from XXXX, so I canceled the case on Paypal without knowing I couldn't reopen the case once it's closed and I couldn't open another case on XXXX even tho the case on Paypal is closed. At this point, the only way for me to get a refund is from my bank -- -XXXX  XXXX XXXX XXXX I contacted my bank and opened a claim, however they rejected me without doing a further investigation, the response they gave me is I used PayPal for the transaction and it's authorized so they can't get my money back, they don't care about if I was scammed or if I received the item. All of those rejections lead me tp here, I want to get my money back and scammer should not receive the money and keep scamming people.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Credit Karma (CT)

Credit Karma advertised an offer to apply for an XXXX  credit card, offered a payment in amount of {$50.00} if not approved... I applied today, XXXX, was denied, reasons for denial include a prior personal loan which I did not receive.. Regardless, I believe I am owed this amount, {$50.00}, from Credit Karma. The terms of offer were not disclosed at time of application. My email account associated with Credit Karma is XXXX XXXX
Consumer complaint received 2020-10-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, sorry to bother you today but hope you're having an excellent day. Anyways XXXX  and TransUnion has failed me and the law. I've mailed them both disputes in XXXX and XX/XX/2020 on some disputes that they have failed to respond to. I just want the inaccurate accounts removed. Thank you
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

I have been trying to access the funds in my Citibank account to make a wire transfer since XX/XX/2021. I have made 10+ phone calls with the bank and troubleshooted the issue multiple times. There are no blocks on my account, and my balance is over {$200000.00} but they have given me several excuses for why they can't process the transfer, including : a ) it's a technical glitch on their end which takes 3 days to resolve ( it was never resolved ) b ) they need to send me a new bank card ( which they did, and it failed to resolve the issue ) c ) I need to file a grievance with them ( which I have, and the issue is still unresolved ) At present, I still have no access to my funds, and I have spent close to 20 hours on the phone with them. In the last week, every single time I have called, they have pretended to transfer me to somebody and dropped the call. This has happened for the last 10 times in a row. The issue is still unresolved. I'm beginning to think I am being defrauded.