davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2022 XXXX XXXX XXXX XXXX agent to XXXX XXXX XXXX filed a complaint for the reason being that a cease and desist was sent on 3 different occasions, and WELLS FARGO AUTO disregarded the notice .They continue to harassing me with debt collection notices to my home address. This has been consistent since cease and desist was received. They threathened me verbally, and in written communication form title 15 usc 1692 c ( c ). The letter stated they would try to reposses if they didnt receive a payment. They have indeed received a 1099A, 1099OID, 1096, 1040, 1040V and a money order with the outstanding principals balance. As they were the borrower and i was the lender who opened up the account with my cestu que trust by my private account number. Banks cant give credit nor any loans according to title 12 Us 1431. If they dont respond to the payment, nor did they send the payment back if they dishonored the 1099A and money order, UCC 3- 603. The payment has been tendered without recourse. A 1099 C cancelation of debt has been to the CEO of wells fargo also along with form 56. They received the forms on XX/XX/2022. Within 10 days they have to respond with a confirmation they recieved full principals balance, as i gave authorization to send written notice ONLY FOR THE PURPOSE OF SAID DOCUMENTS received. Also they are still harassing me through communicating with me through mail when in the cease and desist title 15usc 1692 c I stated not to contact me through phone, mail, or email without consent. Please pay the invoice for the violation. This complaint has nothing to do with FRAUD, so please stop violation me by being false and misleading. This will all be used as documentary material.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (UT)

Bank Of The West is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. I called and paid it immediately but they still have not updated the information on my credit report. This debt has been settled for a few months now and it is still reflecting a balance on my credit file. I need this account removed/fixed.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MN)

This complaint involves my Apple Card Mastercard that is managed by Goldman Sachs. 

On XX/XX/2021, a charge of {$240.00} was added to my account from a merchant in the State of Georgia for food and beverages ( see Attachment A ). I was not physically present in Georgia on that day and I did not authorize the charge. On XX/XX/2021, I disputed the charge and a provisional credit was added to my account in the same amount, {$240.00} ( see Attachment 2 ). On XX/XX/2021 the provisional credit was reversed on my account thus resulting in the {$240.00} being added back to my account ( see Attachment 3 ). On XX/XX/2021, I received an email from Goldman Sachs stating that the dispute was resolved in my favor, and that the provisional credit would be permanent ( see Attachment 4 ). The root of the problem is that the provisional credit that I received on XX/XX/XXXX was taken away thus resulting in the {$240.00} staying on my account. The charge was the result of fraud and I should not be held responsible for this charge.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

An account was opend on XXXX with XXXX XXXX which I did not open. 

All inquires made by XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was not made by me ( XXXX XXXX )
Consumer complaint received 2021-09-15
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. (FL)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYE DATE:XXXX
Consumer complaint received 2022-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (MI)

In response to CFPB complaint XXXX, Executive Office Case XXXX XXXX XXXX XXXX states `` We would like to add that on XX/XX/XXXX we received returned mail and we suppressed statements for XX/XX/XXXX and XX/XX/XXXX. '' Under the Account details section XXXX XXXX XXXX makes clear that statement generation was somehow suppressed because of alleged returned mail and " statements were started again in XX/XX/XXXX after you confirmed address in XX/XX/XXXX. '' Multiple comlaints were filed between XXXX XX/XX/XXXX and XX/XX/XXXX through the CFPB portal and ALL were consistent with the address information. Moreover, the CRAs did not report a change in my address, and I continued to reside at the address through late XXXX. Finally, I have no recollection on specifically providing documentation that allegedly " confirmed '' my address because my address had not changed. That somehow a returned piece of mail would warrant cessation in statement generation, to not only withold paper statemens, but access to electronic statements is incohate. Moreover, it is a violation of 12 U.S. Code 5531 ( a ) which makes clear that WF  was to have provided this information to me in electronic format, accessible by me through electronic means. An aggrevating factor in this matter is that I am, and was at the time, a XXXX individual due both to a chronic illness and long-COVID. Under the ADA access to electronic statements would be considered a reasonable acommodation, and claims of WF of " we didnt know about your XXXX '' are moot because they must allow consumers to retrieve information regarding their accounts in electronic format that is accessible by a consumer.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CHARLES SCHWAB CORPORATION, THE (TX)

On XX/XX/2020 a payment was made with my debit card for a service in which I would receive information from a company that promised to help protect my children. Between XX/XX/2020 and XX/XX/2020 I was continuously asked for more money by the company in {$5000.00} increments. None of the promises made by the company were done and their was constant excuses for the services not to be performed. In the midst of services that were to be rendered my contact person was changed and there were continual excuses and promises of phone calls and updates that did not occur. I also continued to received docusigns from the company trying to commit me to pay more and more funds to the company for the original services. On XX/XX/2020 it became apparent the company was used to scam consumers and did not do what they said they would do and a dispute was filed with Charles Schwab regarding the company stealing funds and the provisional credit of {$5000.00} was placed back in my account. 
On XX/XX/2020 I received a notification my account was overdrawn. There was no other communication regarding the dispute until that time. I called Charles Schwab on XX/XX/2020 and was told that the dispute was closed because the company had submitted a form with my signature on it ( however it is not a signature I have ever used with the bank ). I immediately submitted documentation showing information regarding the dispute. On XX/XX/2020 when I had not heard back I called Charles Schwab again and was told they did not receive the documentation that had been uploaded. I have pictures that I then sent to Schwab of uploaded documents and confirmations of those uploaded documents, along with the information showing that this company had a history of scamming individuals, and cheating them out of funds. I also provided texts in which the company owner states he did not provide a report or fullfill the obligations of the service. I have constantly contacted Schwab since that time for consumer protection as I did not receive any services paid for. I have received messages with phone numbers to contact the investigator, attempted to call, and been hung up on. It is now XX/XX/2020. I have been without funds in my checking account a negative balance for almost a month where I was very clearly scammed and have asked for help from my bank. 
Charles schwab also sent an email to those with their services stating they take fraud seriously yet my experience in this case is that they are not taking care of the customer.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus stated my accounts were properly investigated, but how is this possible if the open date is inaccurate, the date last active is inaccurate, the amounts are different. These are grounds for removal 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.

According to the Fair Credit Reporting Act everything must be 100 % accurate. Clearly my credit report is filled with numerous inaccurate information violating my rights.

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX I'm also a veteran and having this inaccurate information on my report is actually preventing me from purchasing a home.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (TX)

Celtic Bank/ Contfinco XXXX Acct XXXX XXXX This account has been sold to third parties at least XXXX times. I did not give approval to do so. According to FCRA, I can request that my account not be sold or transferred to any third party without my explicit consent. According to FCRA, I have the right to control how my personal information is shared. Selling or transferring my account without my consent constitutes a violation of my rights under this federal law.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Hello. I have a personal account with PayPal and have a balance of over {$60000.00} in my account currently. PayPal notified me the other day that I am no longer allowed to do business with PayPal and that they would be freezing my account for 180 days. I do not use PayPal to sell anything -- it is an account I use to buy things online, buy groceries, pay bills, rent, etc. My husband sends his profits ( post-tax ) from his business account to my account. The fact that they are holding my balance for 180 days seems cruel considering we are still in the middle of a pandemic. I have always been in good standing with PayPal and have never had any issues -- this happened abruptly and without warning. I have since spoken with PayPal multiple times, but they won't give me specific details on why they made this decision. Now a large portion of my money is frozen for 180 days. I no longer wish to do any business with PayPal, but I need my money back sooner than 180 days. Please help.
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. I was checking my credit report on XX/XX/XXXX, and I noticed there are several inquiries that I have never authorized. I tried calling XXXX, Equifax, and XXXX and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit report.
Consumer complaint received 2020-11-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

on XX/XX/2020 Portfolio Recovery Associates sent me a letter of collection and added a derogatory mark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send me a bill and say its mine. Further more there is conflicting information such as dates the account was opened is listed different on my credit report vs paper work they have sent me. According to the FCRA, PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 4 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

For the last 18 months, XXXX has been incorrectly reporting derogatory late payments to my credit files. For the month and year listed below XXXX erroneously reported between 60 - 150 days late. According to XXXX customer reps, they only report an account late after three billing cycles. To date, I have gathered supporting documentation showing all canceled checks and or debit card transactions for payments under my rate reduction program. Derogatory late months are shown on my credit report ; XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX. Each of the fourteen accounts with XXXX  shows a mixed bag of derogatory lates ranging from 60/90/90/90/120 or 150+ days late. For the Months of XX/XX/XXXX - XX/XX/XXXX, XXXX has granted me a national disaster forbearance, but they are still reporting derogatory for said months
Consumer complaint received 2022-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transition dropped my credit score 28 points today XX/XX/2020 for NO Reason!!!! Its says no changes just decrease. No only have I had to hire a Legal Company/ XXXX XXXX to help me with the dishonest and inaccurate credit reporting this company is doing, now they are dropping scores with no reason, no bad debt added or nothing!!! I want accurate accounts only. Some accounts they report dont even have my social and its a total another person! I can sue for this per LL so Ill wait their action. I want this justified and fixed immediately. Its effected my job.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

i call this company XXXX XXXX about 2 months ago about a matter they they are reporting on my experian report i spoke to a young guy name XXXX he told me that they had sold the car that got repo fir {$1900.00} at a auction ... Ok so on my experian credit report the are reporting a balance for {$15000.00} That saying i owe thats is miss leading how i owe that and u all wrote that off on u all taxes and sold the car for {$1900.00} as the guy XXXX that works there said it sold for {$1900.00} and also i have request for all documents i wan na see all PAYMENTS made or miss i wan na see all applcations with my name and show me id i wan na see payments insurance forms and i want a acution recipt ASAP for my records according to the fcra its my right to request all documents and if i dont recive these items with in 30 days i will push for further legal action and also plz send all payments recipts because u all have so many late dates on my experian reports that are fraud and u all no but keep telling experian everything verfiled its not right to report fraud information on people credit that trying to make a change in there lives my score been hurting for months form u all report missleadinfg info on my credit report plz fix in 30days PS.. plz SEND ALL DOCUMENTS TO ME FOR MY RECORDS FOR LEGAL ACTION