davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

My husband and I have been trying to get a freeze lifted on our credit reporting files for over a week. All three major credit reporting agencies have forced us to jump through a ridiculous number of unnecessary hoops to get this done. They have all forced us to answer ridiculous questions supposedly to identify us, when they already had more than enough information to do so. Experian was the worst of the three.  Today, XX/XX/27, my husband and I made our final attempt to contact Experian and miraculously we were able to speak to a human instead of being routed in a circular manner right back where we started. I spoke to a man named XXXX. He refused to give his last name, or where he was located. He finally gave me an ID number, XXXX. I had researched answers to some of the ridiculous questions the other reporting agencies had asked, so I was ready for most of them. After going through the ridiculous questions I told him I wanted to remove the freeze on my account. He paused for a few seconds and then told me there was no freeze on my account. I told him that some lenders had told me there was a freeze. I said, so you are telling me there is no freeze and he said yes. Then I asked when a freeze had gone into effect and after another pause he said, " oh yes, there is a freeze ''. He agreed to lift it and gave me a confirmation number, XXXX.
Consumer complaint received 2018-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (CA)

I was contacted via postal mail to apply for an installment loan. I was approved for a loan of {$500.00}. I was told at first that only 8 installment payments of {$130.00} would be withdrawn from my bank. I've already paid 7 payments but according to them I still owe over {$400.00} and when I went to see the payment history only tiny payments are going toward the principal and larger payments towards finance fees ( It looks ridiculous ) i took a screenshot to provide you for evidence
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

All Three, Incompetent Credit Reporting Organizations, Are Purposely Keeping All Of My Positive Account Information, From My Credit Report. As Of Today ( XX/XX/2021 ), I See Only Negative Information, On My Credit Report. This Obviously Lower 's My My Credit Score, Which Is Their Intent. I Have Had Positive Account Information On My Credit Report, For Over Two Weeks, And They Never Applied It To My Credit Score. I Work Hard To Keep My Bills Paid, And I I Don't Need A Half Assed Organizations, To Ruin My Credit.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2021 I XXXX XXXX request help concerning my refinance by Wells Fargo Mortage that is being handled with total incompetency, rudeness, lies, and riddles of total confusion. I need a straight and truthful answer concerning my loan estimate ; also I need a copy of my appraisal for my review. I have been treated like my request for cash out refinance for my home is not even important. I have to constantly babysit my loan process. All of my information that was requested was turned in promptly after I was treated like I was to ignorant to comply, I tried so hard to inform the representative that all of my funds were deposited directly to a XXXX XXXX card and not a bank, I was still pressured and told to walk in a bank and request a bank statement. A decision for my cash out amount was made already. I still have not yet received a copy of my appraisal for review to see if my house even received a far market amount I was told that the appraisal had been uploaded and the amount was XXXX. I have to practically beg for everything. I was even told buy a representative who said " I don't have time to call you all day ''
Consumer complaint received 2022-08-15
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. (NY)

In accordance with the fair credit Reporting act XXXX  XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hello, This is ridiculous and inhumane PRA! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

all banks in XXXX, md are open 9-5 except bank of america. They choose to open 10-4 They have closed all surrounding branches in the area forcing lines and waits that average between an hour and two hours. They are understaffed, having only 1 full time and 1 part time teller.. This is unacceptable. @ days ago there was a mess up with an account and i had to wait 2.5 hours, taking off from work. I have a safe deposit box at another branch and the key doesnt work, They have to drill it. I was told they will call me in about a month to set up an appointment. I need access sooner. They are doing whatever they want. When you call the branch they dont answer their phones you just get a recording. They need to be sanctioned or shut down this is outrageous
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NJ)

I have paid this account off in full. I tried disputing with the credit bureau, and the information has still not been updated to reflect the correct information. I have even sent in my proof that the account was paid in full, but my report is showing still a charge off.
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. XXXX : Balance {$10000.00}, Balance updated XX/XX/XXXX, XXXX Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid off.XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In Transunion : XXXX updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (VA)

I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-08-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hollis Cobb Associates (GA)

Today XX/XX/XXXX is the 3rd time PAB-HOLLISCOBB, has contacted my place of employment, I ask them to DO NOT CALL my work, earlier this week. Plus we have another employee w/ the same 1st name, and she received the call. They called again today, I know I have medical bills, due to XXXX XXXX injury in XXXX. However, the bill they are calling about should have been handled with my insurance, But my complaint is them continuing to call my place of employment after being ask not to.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-03-26
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. (NY)

I have told these people that the items they are showing on my report do niot belong to me. I have waited the time frame for them to repsond and it is like they are ignoring me or purposely leaving wrong inforamtion on my credit report which is messing me up.
Consumer complaint received 2022-11-06
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX account # XXXX, Account name : XXXX XXXX account number : XXXX, Account name : XXXX XXXXXXXX account number : XXXX, account name : XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX account XXXX, account name : XXXX XXXX XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX XXXX account XXXX, account name : XXXX XXXX XXXX  account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-23
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. (FL)

I SEND A LETTER TO EACH CREDIT BUREAU BY XXXX ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; TRANSUNION # XXXX, XXXX # XXXX AND XXXX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Consumer complaint received 2021-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

Citi bank sent me a letter stating : We've reviewed your Costco Anywhere Visa account since it's expiring soon. We're unable to send you a new card due to a bankruptcy or a charge-off on another credit card account issued by Citi I checked my CR with XXXX. There is no other account from Citi Bank and there is no Bankruptcy. 

Citibank refuses to disclose the exact reason and have denied my request to review, again without stating the reason as to why they can not renew my Costco Anywhere Visa.

In addition, with their decision they will take away my Costco reward of {$230.00}. 

How can CitiBank refuse renewal without disclosing to me as to what the reason is?
Consumer complaint received 2022-09-19
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. (FL)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Infiniti continues to report inaccurate information to my consumer credit file. When I log into InfinitiFinancialServices the account immediately reflects a balance of {$1300.00}. Infiniti continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. 

I have attached two supporting documents.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I have contacted Nordstrom/TD Bank and XXXX numerous times via phone and written letters in regards to identity theft. This account has approximately XXXX charges that were unauthorized and used without my consent. I have sent a police report in regards to this matter as well as a identity theft report. This account is showing inaccurate information reporting on my credit deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws in the Metro 2 data field formatted reporting standards, therefore lawfully you must ERADICATE any and all adverse remarks. I have a notarized statement in regards to the identity theft that was sent XX/XX/2020 and additional information that included the police report and identity theft affidavit was sent certified XX/XX/2020. XXXX  has not presented method of verification and I s reporting inaccurate information on my credit report.
Consumer complaint received 2021-10-28
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. (NY)

Credit repair agency is reporting my XXXX account XXXX XXXX XXXX as still open with a balance. 
This account has been fully completely paid. 
I have proof as well
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On Tuesday, XX/XX/XXXX, I used my Venmo account to add money to the account from XXXX to Venmo. This is my rent money that I added to Venmo which waS {$700.00}, but I received a email that they froze my account. The account specialist, XXXX said I needed to send in proof of identity and the bank statement that showed I made the transaction and I could screenshot it. I sent the specialist my ID, my cashapp card, the bank statement from XXXX, the email that showed I made that transaction and everything they needed. XXXX then emailed me and told me she cant accept screenshots so I sent pictures from my desktop and she didnt accept it because when I clicked the bank statement from cashapp, it transferred to XXXX and she said she couldnt take that. I also tried using another computer to see if XXXX came out and it did so it is the systems way of showing my documents. XXXX wouldnt take anything I gave her and she told me that she will keep my account frozen for 180 days until I show a statement from the bank that works with cashapp which is XXXX XXXX. I called XXXX XXXX and emailed cashapp and XXXX XXXX said they do not send bank statements from XXXX and I would need to get it from XXXX, which is what I did. I tried so hard to cooperate with her and I spoke to other agents from Venmo through the app since they arent taking calls and none of them are helping me out. I gave the company all of the proof I can that showed my identity but she doesnt want to take it. My rent is due next week and now I dont know what to do because that is all of my money I have right now. I will attach everything I sent to her and what she told me. Thank you so much!