davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Collins Asset Group, LLC (CA)

I was giving a {$25000.00} cash loan which is now {$29000.00} plus from XXXX XXXX  ( who was funded by XXXX bank ) in XXXX. XXXX XXXX sold my account to Collins Asset Group. I have been calling Collins Asset group monthly and at times weekly since XXXX of XXXX to pay loan off in full. No settlement, and they refuse to take the payment stating that they do not have enough information to take my payment & they suggest I call back in a week or XXXX to see if they files have been updated ( this has been going on for over XXXX years. ) They do not fail to report me to collections on the XXXX of every month to the XXXX credit bureaus. I have been denied a home loan due to this account. I have literally been going in circles begging them to take my payment and mark it as satisfied. This has caused mental agony on my end. This is an attempt to pay off a debt in full, including the interest thats building due to them not taking my payment in full. I have no other options as to what to do at this point. Please help me. Thank you.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I was looking over my credit report, and In accordance with the Fair Credit Reporting Act the Accounts listed below are in violation of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX ( XXXX ), KY HIGHER EDUCATION SL Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct # 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. 15 U.S.C. 1681a-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. 15 U.S.C. 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (OH)

Charles Schwab Bank XXXX NV holds a checking account where I have had several questionable EFT transactions occur since XX/XX/2020. I first talked with a representative of Charles Schwab Bank in XX/XX/2020 about a suspcious debit of {$2500.00} out of my bank account. The Schwab Bank representative records will show agreed with my assessment and reversed the debit to my checking account. This unauthorized debit occurred once again on XX/XX/2020 ( Schwab once again credited my acct. ) and then again on XX/XX/2020 for the same amount {$2500.00}. At this time XXXX XXXX at Schwab Bank told me via email and on the phone that the previous Schwab representatives did not handle the debit/credit to my bank account correctly ( see emails ). He then told me he would file a Fraud Claim and process the credit of {$2500.00} back to me in a " couple of days ''. At this point it has been several weeks with no response from Schwab Bank and Mr. XXXX. Schwab Bank accordingly to research I did through the Federal Reserve Bank is holding my {$2500.00} and is not releasing the monies back to me.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Transunion ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX, XXXX, XXXX while my credit report shows an outdated address of [ XXXX XXXX., XXXX, XXXX ] [ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Consumer complaint received 2022-09-21
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 604a ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (FL)

I do not know this company XXXX XXXX nor ever did business with this company. Equifax list 6 accounts ... XXXX, XXXX, XXXX, XXXX, XXXX, XXXX on my credit report. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, they are in VIOLATION of my HIPAA rights. This is a clear FCRA violation. Since 2020 I asked for Equifax to provide their method of verification who Equifax contacted to verify these accounts, what the payments are for, HIPPA documents with my original signature, collections license number court documents that allows XXXX XXXX to continue to pursue this debt in Florida, was this account purchased or are they collecting on the original account holders behalf and has not received anything. XXXX and XXXX both have deleted these accounts already. They also violated my rights under 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
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC (MO)

I signed a non arbitration contract that stated the loan does not report to credit agencies. I took a title loan on a vehicle from XXXX XXXX XXXX  and believed they had reposessed the vehicle. 2 years later they are now reporting to my XXXX  that I owe a debt of {$730.00} to debt recovery solutions
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (TX)

I was shopping for a new loan with a better interest rate. While navigating on line, Prosper XXXX assured me there would be NO HARD inquiry on my credit files. Everything they advertised on line was completely misleading. Specifically, it stated it would so SOFT inquiries only. Somewhere in the process, I started receiving credit alerts that my files had been accessed and now I am stuck for another YEAR with a hard inquiry on my credit files. I want it removed! I called Prosper XXXX while in their system when I received the alerts about what happened. They stopped the on line application that I had no idea I was filling in. I am not too afraid to shop around. 
I have called this place at least 5 times to argue, but to no avail. They should have a class action suit brought against them for false and misleading statements on line.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CO)

I have called synchronicity bank and tried to get them to remove my personal number XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they won't because it's attached to an account for XXXX XXXX XXXX I constantly get automated phone calls and want to remove my number and they won't.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I hereby would like to state the following facts related to the fraudulent withdrawal of the sum of {$4500.00} XXXX XXXX XXXX XXXX XXXX, from the account XXXX of my property, and held solely under my name, held at Chase Bank located at XXXX XXXX XXXX in XXXX XXXX XXXX of XXXX. 

XXXX XX/XX/2022 at XXXX XXXX  a withdrawal for the amount of {$4500.00} was made at the abovementioned branch of Chase, supposedly as the Chase bank claims using my debit card and my pin number to make said withdrawal. 
The transaction was executed by the teller number XXXX as designated that day by the Chase bank. 

XX/XX/2022 at XXXX ; XXXX XXXX  I myself XXXX was working at my XXXX  at XXXX XXXX XXXX XXXX Texas XXXX with my Chase debit card in my wallet, and I have video footage with the time mark to prove this. 

On XX/XX/XXXX sunday while checking my bank account transaction for the week, I realized that the sum of {$4500.00} had been taken from my account on XX/XX/2022, immediately i called customer service and was informed that i had to go to the branch the next day monday XXXX XXXX. 

On XX/XX/XXXX I went to chase bank to make my weekly deposits and also to inquire about this withdrawal of {$4500.00} and was informed by the branch manager XXXX XXXX XXXX that such withdrawal was made at the branch, with my debit card and pin number, and i explained to her and a teller, i believe the name is XXXX, that i had not withdrawn that amount and i rerquested respectfully that a fraud investigation be opened and my debit card would be suspended due to the fraudulent transaction. Therefore I was assured that the bank would open a claim and cancel my card. none of this last actions took place, On XX/XX/2022 I returned to the bank to ask about the status of my claim, and was made aware by bank manager that the claim was not made and the card was not suspended. Therefore XXXX bank manager proceeded to file the fraud claim in my presence. 

On XX/XX/2022 I was informed by the bank fraud department that the claim was deemed as not valid because my debit card was used to withdraw the money and also the amount was consistent with my spending patterns. 

Conclusion chase bank dismissed the fraud claim, saying that my debit card and pin were used at the branch but refused to review the video footage. At the exact time of the withdrawal I was at my XXXX  with my debit card in my pocket, and I have video footage to prove it. 

Thank you very much for your help on this matter XXXX
Consumer complaint received 2022-02-01
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. (NC)

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 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 607 AND 609 ... VARIOUS ID FRAUD ACCOUNTS ON FILE NOT MINES, NEVER DONE BUSINESS WITH COMPANIES AND ACCOUNTS OUTDATED REPORTING ... REMOVE ALL FRAUD ACCOUNTS LISTED : " XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REPORT # XXXX XX/XX/2020
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

My bank account in not reflecting accurate information when it comes to the balance. I'm getting negative balances when the day before my account reflects a positive balance. On XX/XX/2022 my balance was {$37.00}. I deposited {$60.00} dollars XX/XX/2022 that evening which took my balance to {$100.00}. I made an transaction that night for {$70.00} which left Which left the balance at XXXX. I made an transaction on XX/XX/2022 for {$9.00} which left the account {$27.00}. I checked my account on XX/XX/2022 it was $ XXXX. I'm noticing that transactions are being posted and then removed and being posted at a later time. Which puts my account into a negative balance. This is my second complaint to the Financial Institution. I was not having this issue prior to now. I moved to this state in XXXX. I noticed in different cities in this state fraud and identity theft is higher Once I moved to this current city I started experiencing these issues. The Financial Institution said that they will handle everything for me and put an fraud alert on my account.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NC)

On the XXXX of Monday I spoke with BBVA to have my account closed. I also reported my debit card stolen. They said it will take 1-2 days, then a transaction took place which overdrafted my account. Funding the account will take more days to fully process then X more days to close the account. I asked them to stop all transactions on my debit and savings account, which they apparently did not do. Theyre stealing money from me and I would like my account closed immediately to prevent this ongoing theft for an account I no longer use or fund. Please help.
Consumer complaint received 2023-05-05
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I do all my banking with XXXX XXXX  I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CO)

On Friday, XXXX, I had approximately {$85.00}, XXXX in my Wells Fargo checking account. Also on that same day, Friday, XXXX, I purchased a {$50000.00} CD from the same checking account, which should have left a balance of approximately {$37.00}, XXXX. 

On Monday, XXXX, Wells Fargo sent me an email stating that I had a balance of NEGATIVE - {$12000.00}! 

I called Wells Fargo at approximately noon XXXX on Monday, XXXX to try to get this issue resolved. I again called Wells Fargo at approximately XXXX XXXX  on the same day, Monday. They said the issue would be resolved at XXXX  the same day. 

Today is Tuesday, XXXX, and I still have a NEGATIVE - {$12000.00} balance and NOTHING has been resolved nor has there been any communication from Wells Fargo. 

All funds and transactions were internal to Wells Fargo and my own personal account.
Consumer complaint received 2023-05-05
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. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX , MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$53000.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-12
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Late Dates XXXX