davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX I HAVE INCORRECT INFORMATION IN MY CREDIT INFORMATION AND I HAVE BEEN A VICTIM OF IDENTITY THEFT, PLEASE DELETE THIS COLLECTION THAT IS FRAUDULENTLY MADE FROM MY CREDIT REPORT, HERE I SEND YOU THE IDENTITY THEFT, PLEASE DO NOT PLACE A FRAUD ALERT, AND IF THERE IS A FRAUD ALERT PLEASE RENEW IT THANK YOU
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

My name is XXXX XXXX I have a issueI need help getting my debit card unblocked and checking account and saving account unblocked and online banking account access unblocked username is XXXX and I need help getting a update on my XXXX enrollment ticket support issues so if their a update on it yet or not because I have to use my sister email and phone number to use XXXX to enroll until they fix my phone number and email so I can use mines email and phone number to enroll and I need yall to get XXXX blocked resolved so I can send payments again to receivers when I have called fraudulent department they say I will have to go to a branch with. Picture id to verify myself and y'all they will called them to verify me and to fix my issue and when I did that last week at my local bank branch I have verify all the questions and give them all the documents they need to send to the fraud department by email every time I call my local bank for updates they dont have a update for me or they didnt provide them with a new update yet and when they email them for a update they dont respond to their question and I need to withdraw money but I cant I need this issue to be resolved as soon possible I need all my issues to be fixed and resolved and fully restored and fully unblocked and fully unrestricted and fully restored access to every thing again etc it been like more then 1 day without a update or restore or fixed issues etc I need the checking and saving account to be fixed and restore etc.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (UT)

I tried to withdraw XXXX of my rent money from the atm inside the XXXX located at XXXX XXXX XXXX XXXX XXXX Utah the first time it said declined then I put my card in again because I knew I had the money in my account the second time it said declined please take your card. The atm did not give me any money at all but it took XXXX out of my account. I told the guy working at XXXX there atm didnt give me my money he said he cant do anything call the number on the atm so I tried but they said I need to contact my financial institution. So I contacted cash app they said to dispute the transaction so I did they denied my dispute so I asked for the information they used to make there decision and they didnt even investigate this. I also did call the XXXX XXXX police That XXXX was my rent money and every day I am getting a XXXX late fee because I dont have a extra XXXX laying around to cover there mistake and they have been nothing but rude unhelpful and totally not understanding. I shouldnt have to pay back XXXX $ every single day because they dont want to do there job and investigate it and give me my money back. This happened on Thursday XX/XX/2023 today is 6 days later so far that is XXXX almost XXXX extra I have to pay and its only going up.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

They never sent many any notices in the mail or made any phone calls nor did they email me anything about closing my account and all of a sudden they just shut it down and didnt tell me why and now I might night be able to pay my bills or make it home because Im About out of gas!
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

in XXXX  i was in and out of inpatient and outpatient XXXX XXXX while away my ex-girlfriend and her new boyfriend stole all of my credit cards and maxed them out. they also stole the XXXX  i bought and was living in. i have had no contact with them since i went to treatment. i tried disputing the charges with the banks and collections companies but have been denied each time. all my info was in the XXXX  they stole and my Ex girlfriend was the one to set up my credit card accounts. so she knew all the security information.
Consumer complaint received 2022-07-11
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. (GA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 
6. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2022-07-11
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)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (VA)

I received XXXX loans from Omni financial via their Virginia branch in 2021 after CFPB already filed suite and won. Yet XXXX is still conducting practices they they were already informed were illegal. They have not complied with the stipulations of the lawsuit
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

There are few thing 's on credit report that were removed and now show about up XXXX is XXXX XXXX XXXX. That was removed by XXXX XXXX XXXX. Investigated by the cfbp. And all there credit reporting agencies. The other is the child support. I am asking for a copy of the court order from XX/XX/XXXXXXXX XXXX XXXX of 2017 yo be provided to me all credit reporting agencies there is no XXXX credit repot..
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (NV)

I am filing this formal complaint regarding Westlake Portfolio Management and its inaccurate reporting on my credit file. Specifically, I have noticed an alleged debt on my credit report that I do not recognize, and despite my attempts to resolve this matter, Westlake Portfolio Management has failed to provide sufficient documentation or validation for this account. The continued reporting of this unverified debt is causing significant harm to my creditworthiness. 

Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute and request the verification of any information on my credit report. It is the responsibility of the credit reporting agency and debt collectors like Westlake Portfolio Management to ensure the accuracy and validity of the information they report. Westlake Portfolio Management has failed to provide clear documentation proving the legitimacy of this alleged debt, and as such, it continues to be reported without proper verification.

Additionally, under FCRA Section 1681e ( b ), all consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in consumer credit reports. The failure to verify the accuracy of this debt and the continued reporting of the account without adequate validation is a direct violation of my consumer rights under this statute.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to provide verification of the debt upon request. I have requested validation of the alleged debt from Westlake Portfolio Management but have not received any documentation that proves the debts validity or its association with my financial history. This lack of response and failure to provide verification violates the FDCPAs requirements for debt validation. 

As a result, the continued reporting of this unverified debt is a violation of my rights under both the FCRA and the FDCPA. The unsubstantiated debt is causing harm to my credit profile, and I request immediate action to resolve this matter. 

Resolution Requested I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue thoroughly. Specifically, I seek the immediate removal of the disputed account from my credit report across all credit reporting agencies ( XXXX, XXXX, and XXXX ) unless Westlake Portfolio Management can provide valid documentation that properly verifies the debt. Additionally, I request that all collection activities related to this account cease until proper validation is provided in compliance with the law. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue and ensuring that my credit report is accurate and compliant with all relevant consumer protection laws.
Consumer complaint received 2022-07-05
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: CITIBANK, N.A. (NV)

I HAD A BRAND NEW CREDIT CARD ACCOUNT WITH CITIBANK NOT EVEN 2 MONTHS LONG AND OUT OF THE BLUE THEY HAVE DECIDED TO CLOSE MY ACCOUNT. I HAD FILED A DISPUTE WITH THEM FOR SOME TRANSACTIONS THAT WERE UNAUTHORIZED. THEY NEVER RESPONDED OR CREDITED MY ACCOUNT. I RECEIVED A LETTER ALL OF A SUDDEN SAYING WE FREQUENTLY REVIEW CARDMEMBERS REPORTS AND THAT MY REPORT SHOWED A NUMBER OF REVOLVING ACCOUNTS WITH BALANCES? FIRST OF ALL I KNOW THIS CANT BE RIGHT? SECOND OF ALL I DID NOT GIVE THEM PERMISSION TO REVIEW MY CREDIT REPORT ANY TIME THEY FEEL LIKE IT! I GAVE THEM PERMISSION TO ACCESS MY REPORT WHEN I APPLIED FOR CREDIT.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian illegally tagged XXXX this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Delete the record, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.
Consumer complaint received 2023-06-29
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. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-07-11
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. (DC)

In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

US BANKRUPTCY XXXX XXXX XXXX XXXXXXXX. U.S. Bankruptcy XXXX XXXX XXXX. This has been reported by a third party company and not by the United States Bankruptcy XXXX in XXXX. An attached document has been provided by the United States XXXX Bankruptcy XXXX. 
XXXX XXXX # # # # # XXXX XXXX XXXX XXXX- # # # # # # 15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Some have different dates and charge off dates. This is ground for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A. 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. 
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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

PROOF ENCLOSED 1XXXX ACCOUNT XXXX ACCOUNT TYPE INACURATE DATE LAST ACTIVE INACURATE 2XXXX XXXX XXXX ACCOUNT TYPE INACURATE NO ORIGINAL CREDITOR ( WHOSE ORIGINAL CREDITOR ) DATE LAST ACTIVE INACURATE 3.US DEPT OF ED/XXXX NO OF MONTHS INACURATE PAYMENT STATUS LAST REPORTED INACURATE DATE LAST ACTIVE INACURATE 4. XXXX XXXX XXXX ACCOUNT TYPE INACURATE LAST REPORTED INACURATE DATE LAST ACTIVE INACURATE
Consumer complaint received 2022-06-21
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. (GA)

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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-07-09
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. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

on this date XX/XX/2019 company I C SYSTEM opened a collection. 
Account # XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 



XXXX XXXX
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

I am XXXX Wells Fargo told me to send in a notarized letter stating what I need done for the POD to put my son on my account upon my death. I had to get a notary to come to my house. Because I am XXXX XXXX and can not go into a Wells Fargo branch. It Cost me {$50.00}. I've sent a letter back to them. And they sent me a application to Sign for both of my accounts. Checking and savings for my son to be put up there. It's been over 2 months and it's taken too long. Tomorrow 's not promised to me and they need to do a job
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. ()

I opened a Citi account and I just started getting direct deposit in I had about XXXX $ in my account when I deposited a XXXX $ check from my vacation fund from my union in the account they locked my account pending review Friday the XXXX of XXXX today XX/XX/XXXX they told Me my account was processing to be closed and it would take 30-60 days to receive the over XXXX  $ in the account I dont know the exact amount because they did this without notice my account number is XXXX and the Citi Reference Number is XXXX