davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was scammed by a person on XXXX  to invest in XXXX. I was promised high returns and the investment plan would take one month to finish and after one month that I am able to withdraw my money. The person told me that he charges a 6 % commission on the return on investment. After one month had passed he asked me for his 6 % commission, he said that I need to pay his commission before I could withdraw the money from the broker or else he is going to freeze the account and I won't be able to get my money. I got scared and paid him his commission. After paying his commission, he said that I need to pay taxes on the return on investment first before I am able to withdraw my money. He then charges me 5 % fee on the return on investment. After paying him the 5 %, he msg me the next day asking for 5 % more or else I won't be able to withdraw my money. At this point, I told him I don't have any money to pay him. We communicated back and forth and I keep telling him I have no more money. He then lowered the amount and I keep telling him I got nothing to give. I asked him for the 5 % of the money I gave him because nothing was done, and he told me it'll take 5-10 days to return the money. 5 days had passed and I msg him on XXXX, he un-installed his XXXX  account and I got no way of communicating with him. I contacted the broker to withdraw my money but they are giving me a run around that they have escalated the issue and they will get back with me in 48 hours. It has been 2 weeks of communicating with the broker and they keep telling me the same answer to that they will get back to me. I tried withdrawing my money from the broker but they keep rejecting it. I reached out to wellsfargo to try and dispute the transactions and they denied it. I hope that you could help me with this issue. Thank you very much. 

My initial investment money {$18000.00} The commission fee {$5500.00} Taxes fee the person charged me {$6600.00} XX/XX/22 {$5000.00} XX/XX/22 {$4200.00} XX/XX/22 {$5000.00} XX/XX/22 {$5000.00} XX/XX/22 {$3200.00} XX/XX/22 {$3100.00} XX/XX/22 {$4600.00}
Consumer complaint received 2022-07-13
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-08-19
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)

Upon investigating my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609  ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/2018 Balance : {$2700.00}
Consumer complaint received 2022-07-13
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: Yamaha Motor Finance Corporation USA (FL)

I, XXXX XXXX, Consumers am aware Dated on XX/XX/2022 CFPB complaint ID XXXX that Yamaha Motor Finance Corporation U.S.A Stated Yamaha Financial Services is required to report accurate information to the credit bureaus : therefore we can not accommodate your request to remove the negative information : however, we have requested the credit bureaus to flag the tradeline as Disputed However,

Congress Policy under Gramm-Leach-Bliley Act makes it very clear that such Financial Institutions are REQUIRED to give their Customers/Consumers the opportunity to exercise their right ( s ) to Opt out of furnishing their nonpublic personal information ( See 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) ). ( B ) the consumer is given the opportunity, before the
time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX Yamaha Motor Finance Corporation U.S.A CEO now all I, XXXX XXXX, need for you to do is clarify that youve complied with Federal Law Gramm-Leach-Bliley ACT as required to give me ( XXXX XXXX ) customer and consumer such opportunity to exercise my rights to Opt out of furnishing my nonpublic personal information. 

Respectfully, Thanks, Best Regards. 
XXXX, XXXX.
Consumer complaint received 2023-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ARVEST BANK GROUP, INC. (OK)

I had a payment due on my line of credit with Arvest Bank on XX/XX/2023. I went into the Arvest Bank located at XXXX XXXX XXXX XXXX on XX/XX/XXXX and made the payment. I was issued a receipt showing the payment was made. A few days later I received a past due notice, followed by a phone call from Arvest 's collection department. I returned the call and let them know when and where I had made the payment. The rep researched it while I was on the line and said the payment had been misapplied and she would get it corrected. I few days later, I received another notice stating that I was past due and charging me a late fee. I contacted Arvest Bank yet again to fix the issue. I was informed this time that the person correcting the initial error had also messed up and applied the payment to the wrong loan. I was told that the second mistake would also be corrected, that I would have all fees refunded, and that I would receive a call back later that day when it was fixed. I did not receive a call back, so I followed up the next day. I was told the process was still in review and that I would be getting another call back when it was completed. By this time, my next month 's payment was due, but I wanted to ensure that this was processed correctly before making another payment which may also be processed incorrectly. I received a follow up call stating that everything was fixed, that all payments were now showing correctly, and that I did not show to have a past due history with the bank. I asked for confirmation in writing in the form of an updated billing statement reflecting my XXXX payment being made on time and no late payments reflecting on my credit history. I was told that was not available but a teller could print an account history for me at the branch. I then went to the branch and made my XXXX payment, thinking the problem had been resolved. I have now received another notice in the mail stating that my loan is 30 days past due and that it could be reported on my credit. Repeated phone calls to rectify the situation have fallen on deaf ears. All I have asked is that the payment be corrected, all late fees be waived, that the records be updated to reflect that all payments have been made on time, and that I receive a letter acknowledging that the past due notices, late fees, and phone calls were due to an error of the bank and that this will in no way be reflected on my credit. As of today, Arvest Bank is refusing to do that.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (NC)

My name is 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 2022-08-19
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. (PA)

The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX  BANK XXXX XXXX Balance : {$570.00} XXXX BANK XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} Medical XXXX Balance : {$320.00} Medical XXXX Balance : {$280.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$91.00} Medical XXXX Balance : {$79.00} Medical XXXX Balance : {$61.00}
Consumer complaint received 2022-10-13
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. (WI)

I have written XXXX dispute letters to both TransUnion XXXX XXXX XXXX hopes to get an invalid and erroneous account off of my consumer credit file. This account was a credit builder loan that I would repay monthly ( 48 months ) and upon completions my deposit would be returned, and this product helped build my credit. The original account was held with XXXX. This bank is now closed and assets sold to XXXX XXXX XXXX and trust. XXXX XXXX cut me a check for this loan product. XXXX XXXX does not offer credit builder loans and this is why they returned my deposit after XXXX bank closed down. XXXX removed this error after I disputed with them. ( I have proof ) They are reporting ( XXXX ) 30 day late payments on a closed account which is not true because how can I be late if the bank is no longer inexistence? XXXX XXXX Bank, XXXX, Wisconsin, was closed on XXXX XXXX, by the Office of the Comptroller of the Currency, which appointed the XXXX XXXX XXXX XXXX ( FDIC ) as receiver. ) I have every letter I sent to Transunion and XXXX, and they keep giving me the run a round with a reply of not deleted ; or account valid, or send proof of your address, or other stall tactics. I sent them a dispute letter on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$8000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2022-08-19
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Consumer complaint received 2022-08-04
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. (MO)

It has been a battle going through this and I am submittig this CFPB Complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-04-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Computer Credit, Inc. (IL)

I have a Worker 's Compensation Claim for a job-related injury. I have medical expenses for this injury agreed to be paid by XXXX XXXX XXXX. This was decided upon before receiving any medical procedures. XXXX XXXX XXXX has stopped my worker 's compensation checks, incurred transportation expenses, because they had me travel a long distance to see their doctor, and now refuses to pay the Medical Bills that I have incurred due to a job-related injury. Because XXXX XXXX XXXX XXXX could not collect the money from the insurance company, they turned the matter over to a Collection agency against me when they know that " XXXX XXXX XXXX '' is the rightful guarantor of this debt and not me. Since it is too difficult for them to deal with this XXXX XXXX, they named me the guarantor and are now pressuring me to pay this bill. XXXX XXXX XXXX XXXX has jeopardized my " excellent '' credit rating by turning this matter over to a collection agency naming me the guarantor even though they have admitted through numerous phone calls that I have had with them trying to resolve this matter.
Consumer complaint received 2022-08-19
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-08
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. (FL)

I found inaccuracies on my report. 

XXXX Account # - XXXX Date - XX/XX/2022 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.