davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

i am missing over XXXX dollars from my relia card pre paid deposits alone that is just deposits about XXXX in purchases each month since XXXX have been made to my account and i have called several times to request that the funds be returned. what i have found out is that my neighbor and several others she is connected to are working in customer service through us bank relia card and possibly twc. through the company conduit! in XXXX XXXX tx they have stolen my stimulus check and transferred money from my rbfcu account they have taken a lot out of my accounts and used my social security for various fraud inqueries. i have called and called have done a lot to try and resolve this issue i also am uncertain of how many others they have done this too. XXXX and apparently XXXX a XXXX XXXX and a lot of other people entrusted with goverment funds and confidential information are using it to take money from every unknowing XXXX in the united states! please help this also includes my smi one account and irs tax refund
Consumer complaint received 2023-06-20
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. (MD)

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 XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2023-06-30
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. (KS)

I have filed a claim because there has been fraudulent things being done on my consumer report by XXXX, XXXX XXXX & Equifax all three credit bureaus have been adding inquiries on my consumer report and collections that I do not authorize. No unauthorized user can BY LAW be falsely reporting things on my consumer report affecting my creditworthiness. I, the original Creditor do not owe any debt ; and the debt has also been disputed and sold to another 3rd party. I ask for any reporting agency and 3rd party to provide me documentation of an Original Contract signed by me & another party validating the alleged debt I Owe. A third party does not have an original contract with my signature used as an negotiable instrument Title 12 and by law if they do they would have to disclose this information stating I am the Creditor, & consumer funding the account with my signature as an Negotiable Instrument Which is another violation of these public institutions under U.S. code 15 USC 1611, 15 USC 1681 ( a ) ( 2 ).
Consumer complaint received 2021-07-16
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)

In XXXX and XXXX of 2021, I disputed there were several inaccuracies on my credit report with XXXX, TransUnion, and XXXX. 

The spelling of my name was wrong. 
The correct spelling of my name is XXXX XXXX. 
There were old and fraudulent addresses still on my credit report. 
My current address for the past 13 years is XXXX XXXX XXXX XXXX, XXXX FL XXXX There are several inquiries on my report in which I have no accounts with, or havent had in the past. 
And there are closed accounts that I agreed with the creditors to delete when paid.
Consumer complaint received 2022-12-17
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. (CT)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have submitted multiple requests to have grossly inaccurate information removed from my credit report.

1. Equifax has not responded to two disputes that I submitted in XXXX of 2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay.

2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation.

3. Equifax is harming me and causing me undue hardship.

4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus.

5. XXXX and XXXX have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information.

6. All three bureaus are reporting inaccurate personal information and wrong addresses.

7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XXXX XXXX XXXX *XXXX XXXX  *XXXX XXXX XXXX  Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation.

*Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file.

Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal arbitrarily, and without any method of appeal, challenge or regulatory or judicial oversight routinely seizes the funds of its customers. Not only does PayPal lie about how long they will be seized, they lie about why they were seized, and put forth the most beautiful of customer service promises, and then deliver absolutely horrid results. 

PayPal commits financial crimes on a daily basis and attempts to hide behind its terms and conditions statement that up until now has worked to silence its victims. Interest is not paid on these siezed funds to the victims but PayPal collects interest from the accounts where it holds these fund.. it is simply theft at its most basic. Since on an individual basis, the amounts in question dont rise to the level that would get the attention of law-enforcement, in the aggregate, customers are being nickel and dimed to death, while PayPal makes millions in interest payments. 

However, someone at PayPal forgot the old proverb : Pigs get XXXX, Hogs get slaughtered. 

The new wrinkle? PayPal offers to let customers buy and sell cryptocurrency and that earns PayPal its membership into the family of SEC regulated entities. 

When any of these funds are related or can be traced to the buying and selling, or trading of cryptocurrency, ( according to the current position of the SEC ) this involves securities. PayPals actions as the unquestioned decider of when a user may access these assets violate several federal regulations against the restraint of alienation of these assets. It is market manipulation 101 : increase the difficulty of entry and control the timing of buying and selling by controlling cash flow.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA (NJ)

Dear Goldman Sachs, I am writing to express my deep dissatisfaction and frustration with your company 's recent violations of consumer laws and codes that are in place to protect individuals from credit card debt when they are unable to work due to medical issues. 

I have been a loyal customer of your company for several years and have always appreciated the benefits and rewards that come with using your credit cards. However, when I was diagnosed with a medical condition that prevented me from working, I was shocked to discover that your company continued to charge exorbitant interest rates on my closed credit card account, despite my inability to make payments. 

I feel that this behavior is in direct violation of consumer protection laws that are in place to prevent individuals from falling into crippling debt due to circumstances beyond their control. It is unacceptable that your company would take advantage of vulnerable customers in this way.
Consumer complaint received 2023-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (NV)

Predatory loan was not told that loan repayment was impossible and cant seem to find out what laws this company and regulations they are abiding by very deceitful tactics used that were not explained by the company
Consumer complaint received 2024-12-11
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against both XXXX and TransUnion regarding their inability to resolve an issue that has severely impacted my ability to access my credit report. This unresolved matter is causing significant delays in the process of purchasing a home, as my lender is unable to access the necessary credit information. Despite my extensive efforts over the past seven months, XXXX and TransUnion has failed to address my concerns or provide a satisfactory resolution. 


I have contacted XXXX approximately 27 times and TransUnion about 10 times to resolve this issue. Each interaction has been met with inadequate customer service, leaving me without a resolution. 

As requested by XXXX and TransUnion, I have submitted the following verification documents on three separate occasions via certified mail : Copy of my Social Security card Copy of my passport Copy of my drivers license Copy of my passport card All documents were sent via certified mail to ensure receipt by XXXX and TransUnion. Despite fulfilling all documentation requirements, I have received no confirmation or resolution from the company. 


Over the past seven months, I have repeatedly submitted the required documents and reached out to XXXX and TransUnion for assistance. 

During this time, I have not been granted access to my credit report, and XXXX, TransUnion has not communicated any updates or reasons for the delay. 


I am currently in the process of purchasing a home. However, my lender is unable to access my credit report, which has stalled the approval process and jeopardized my ability to secure financing. 


The lack of resolution from XXXX and TransUnion has caused significant stress and frustration. The repeated failure to address my concerns has left me feeling helpless and concerned about potential repercussions on my financial goals.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MS)

My transactions take about two weeks to complete pending. Ill have transactions pending from the week before, and all of it comes out the few days before Im paid so my account hits the negative. Sometimes I get charged for that. Why do my transactions pend for so long?
Consumer complaint received 2022-07-31
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: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2020, MIDLAND CREDIT MANAGEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am not responsible for this account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, MIDLAND CREDIT MANAGEM has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-06-29
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. (LA)

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.

The letters are stated with items and issues.

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 2022-12-11
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. (IN)

Credit card through XXXXXXXX XXXX XXXX reporting a {$39.00} balance to credit reporting agencies. There is NO BALANCE on this car. This is my wifes credit card and she added me as a user on the card ( to build my credit rating ). The {$39.00} is the annual credit card user fee. The fee has been paid in full. 
This needs to be removed from my credit report
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have filed disputes with all three credit bureaus with getting items removed from my credit report and deleting old items that keep getting reported. I would like to have these items investigated and removed. I know I cant submit information of the accounts but I would appreciate anything that can be done. As these items are becoming detrimental to my process of purchasing a home
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (IL)

A account was open with my information that I was not aware of, and I reached out multiple times to the company on my credit for it to be remove since the account was opened fraudulent and now it is on my credit getting harassed daily for something I have no idea about thats why the account was never paid off because I did not open it and now Im receiving mail at my boyfriend parents house when I never put that address in the system.
Consumer complaint received 2023-04-24
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. (GA)

Background and Context of Complaint : - Sent certified letter to Experian on XXXX XX/XX/2023 - Letter was received and signed for by Experian on XXXX XX/XX/2023 - Letter was regarding removal of items due to Identify Theft and included an FTC Identify Theft Report - Ask of Experian was to remove the Identify Theft items identified - Also provided : Drivers License, Certificate of Live Birth ( Authenticated by the State of Ohio ) as proof of identity, Most Recent Credit Report, and FRCA 605 B ( 15 U.S.C 1682 c-2 ) On XXXX XX/XX/2023 Experian sent me a response ( attached ) to paraphrase : - Request to block was made in error - Requested proof of identity ( which had already been sent ) - Requested copy of a police report be sent to them Per CFPB website : - Consumer reporting agencies and furnishers must conduct a reasonable investigation of the dispute - Consumer reporting agencies and furnishers are liable under the FCRA if they fail to investigate any dispute that meets the statutory and regulatory requirements- Enforcers may bring claims if consumer reporting agencies and furnishers limit consumers dispute rights by requiring any specific format or requiring any specific attachment such as a copy of a police report - CFPB is aware that consumer reporting agencies and furnishers have sought to evade the obligation to investigate disputes by requiring consumers to submit particular items of information or documentation with a dispute before the entity will conduct its investigation of the dispute. Examples of this conduct include : a ) Specific documents even though the consumer has already provided the supporting documentation b ) Consumer to attach a completed proprietary form before investigating c ) Requiring any specific attachment such as a copy of a police report etc. 

CFPB Additional Information : - For disputes received directly from a consumer, a consumer reporting agency or furnisher must reasonably investigate the dispute unless they have reasonably determined that the dispute is frivolous or irrelevant. If such a determination is made, the consumer reporting agency or furnisher must notify the consumer of such determination within five business days of the determination and identify the additional information needed from the consumer to investigate the dispute - Notification of determination to me ( the consumer ) was outside the five business day window
Consumer complaint received 2023-04-24
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. (IL)

XXXX XXXX XXXX 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 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Mortgage sold my mortgage to XXXX XXXX. At first with the name like that I thought it was a scam. So I went online after that I reached out to the XXXX. I read so many horrifying stories, I read for a long time and only got to XXXX! Things like they dont pay their insurance and taxes, added fees, I could go on and on. I contacted Wells Fargo Mtg. and told them I understand mortgages get sold but Ive never had a bank or mortgage company sell my mortgage to such a low rated company. They told me they would research this and get back to me by XX/XX/XXXX. They never got back to me I have the letter. They basically lied to me. I dont think banks should be allowed to sell their customers mortgages to such horrible companies. I think there should be some responsibility to their customers. I hope and pray that someone at CFPB research this XXXX XXXX and hopefully help us people, I hope I wont be the next victim
Consumer complaint received 2022-12-10
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: DISCOVER BANK (NV)

In accordance with the fair credit reporting act XXXX Discover Bank, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.