davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I have disputed account XXXX on my consumer reports with the 3 consumer reporting agencies and my results always result in a update or verified as accurate. 
XX/XX/XXXX I got all new reports from XXXX XXXX and XXXX and I noticed inconsistent information in regards to the federal running of reporting expiration date. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX with the date of 1st deliquency reported XX/XX/XXXX. 
since I cant get through to the consumer reporting agenies I decided to contact XXXX with a direct dispute under XXXX regarding this error. 
XX/XX/XXXX I wrote XXXX putting them on notice of this inconsistent error and also putting them on notice that a data furnisher is PROHIBITED to report any inaccurate, incomplete and inconsistent information after they have already been put on notice from this direct dispute XX/XX/XXXX they responded by requesting additional information from me in order to help them verify my identity? they asked for my residence from XX/XX/XXXX, the last 4 of my ss, my full birthdate, the credit limit on the account, the date or amount of the last payment and the account opened date. at the top of the letter they also notated the account number ending in XXXX with a INCORRECT mailing address. to my understanding if this data furnisher wants to report on my consumer reports then shouldn't they have all the information they requested from me in their files? this is not making any sense. I've sent them copies of my consumer reports regarding this account so they can see there inconsistent and inaccurate reporting. that should be enough to complete there investigation with the information they supposably have under my name. by XXXX sending me this correspondence, it proves to me that they dont have my information on file enough to report this account. if they lost paperwork in their files pertaining to this account then why dont they just say that? it is not my responsibility to give them private information and the burden of proof is not on me to prove. there furnishing this account to the consumer reporting agencies therefore they should have the requested information on file. this account seems to be not valid in my opinion all while inaccurate and inconsistent information is being reported to the third party consumer reporting agencies. I have also included my response to XXXX regarding there correspondence letter XX/XX/XXXX putting them on notice that this account is not valid and I demand a deletion.
Consumer complaint received 2022-06-28
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. (NY)

I RECENTLY GOT A NOTIFICATION THAT THERE WAS A HARD CREDIT INQUIRY FROM XXXX XXXX XXXX XXXX ON MY CREDIT REPORT BEING REPORTED BY TRANSUNION. THIS INQUIRY IS INACCURATE AND THEREFORE IT NEEDS TO BE DELETED SINCE IT IS HURTING MY CREDIT PROFILE. 

NAME : XXXX XXXX DATE XX/XX/2021 PLEASE I NEED THIS UNAUTHORIZED HARD INQUIRY TO BE DELETED INMMEDIATLY.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA closed my account without providing any good reason. They didn't provide the date when they will release the fund. This decision will affect any future products should I need to apply later. 

The Code of banking practice requires banks to act fairly, reasonably and in good faith. Since they didn't provide any good reason, I suspect I didn't get treated fairly
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX I tried to send {$800.00} to an account on Cash app that I also own. I have always done this every start of the month for a very long time. This time the cash app was responding as if it didn't go through. I did it 2 more times and again not showing up. I tried to log into that account that I was sending to and it was not only not showing up but we couldn't access the account either. I immediately started to correspond to Cash App and this company is so completely comical ( I don't mean this in a good way ) in how they respond. I could only speak to them through email at this point as they had NO phone number for customer service. Each correspondence would take 24 to 48 hours for them to get back to me. I then could not access the account the money was sent to and the way Cash App works it will not let you out of one screen without creating another account. I have all accounts created with all phone or emails attached to them and no matter how I tried to prove my identity then wouldn't help me. The next customer service rep who did respond after waiting 24-48 hours would start the whole process over asking the same canned responses/questions. 
I finally had over 60 emails that I printed out after 3 weeks and mailed them direct along with a letter to their corporate headquarters in XXXX XXXX. They received it on XX/XX/XXXX and never responded to me. In the meantime, I kept trying my hardest every day to talk with them or fix the situation and they kept up with the same canned responses and never reading the previous correspondences. 
I then filed a complaint with the XXXX last week and then on XX/XX/XXXX they opened up a chat feature on the phone and again same XXXX canned responses and never reading any previous responses and I even offered my credit card info, social security, bank statements etc to prove who I am, at this point I am desperate because I don't know too many people who can live without {$2400.00} dollars and still pay bills. 
Then at about XXXX this morning after another long morning of frustration and me again being in tears I go to my computer and on one of the accounts that I kept looking at but never had shown the money mysteriously shows the {$2400.00}. It cost me {$36.00} to access the money instantly. I wasn't going to allow them to have 1 more day of my money nor do I trust them at all!!! I have been having severe anxiety and stress the entire 5 weeks because they were holding my money hostage and with no human interaction to help me get it back or repair the issue.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (TX)

In XX/XX/XXXX, I was consumed by debt and solicited Freedom debt relief for assistance. I spoke to an individual named XXXX who assured me that Freedom Debt Relief would contact assist me in paying off my dept through their program. I was told to discontinue payments to my creditors and Freedom Dept Relief would contact all of them and set up settlements. Furthermore, I was assured that there were no charges for this service with the exception of a small monthly fee for maintaining my dedicated account. I was also told that the money in this account would be controlled by me in that I could approve or decline a settlement. This endeavor began by masking unrealistic goals surrounded by lies and deception which included the individual telling me Freedom Dept Relief was a consumer advocate. {$4300.00} later, I am more in dept and my credit has dropped more than 100 points because I put my trust in this company. I am a XXXX XXXX with more than 26 years of federal service and I am XXXX that such a company exists that tries to steal money from those in need of assistance. This company is an extreme embarrassment to those who actually attempt to settle debts for those in need. I would like to add that XXXX XXXXXXXX have a purpose to recover money lost to lenders, but this company strives to steal money from those who have financial difficulties. Fast forward to XXXX XXXX, XXXX. I was expecting a full refund because this business at the end created more problems, and instead they not only refused to refund me the {$4300.00} I put into the program, but the remaining {$680.00} was also stolen. This company is deceptive and currently has adds on XXXX telling potential customers that their dept will be paid for free. Something has to be done please.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Starting date XX/XX/XXXX - present. Comenity Bank has been down. Can not log in to access information, can not make a payment and can not get any information of when the system will be back up. The two store cards I have currently through Comenity bank that need to be paid are XXXX and lane bryant, both of which can not be paid in store. I have no options and my due date is XX/XX/XXXX. I have been hearing other consumers stating that XXXXomenity has been marking their credit reports late for the issue that has originated from Comenity. I am out of options because I pay all my bills online and even have paperless billing.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 i received a letter response on the XXXX  site after i filed a complaint stating that an investigation concluded that i was not eligible for full amount of the proceeds received and the account was closed on XX/XX/2021. The funds in the amount of XXXX will be returned to the SBA instead of amount of XXXX which was deposited on XXXX XXXX. On XX/XX/XXXX, when i spoke to customer care i was informed XXXX was sent regardless of what letter said. The sba states they have not been returned anything. So my first issue is what specifically was returned and second when. Because the information given doesnt match.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-04-12
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. (NY)

On my Equifax credit filed, I have a fraudulent account since 2020. XXXX  and XXXX  both investigated the problem and removed the error. So I am asking for your help. I have contacted the XXXX, where the account was originally opened. They sent me the application as requested. After a careful review of the application. The signature on my application isn't my authentic signature matching my driver 's license Also, they do not have XXXX XXXX XXXX in the XXXX system. Instead, they only have XXXX XXXX in their system. Why does that matter? On the form, it says you must register your new name. Why didn't the school require the name change. If I attended classes in XXXX
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (FL)

This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Credit Inquiry : XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ACCOUNT- XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TN)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-06-28
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, XXXX and TransUnion from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (PA)

Notice date : XX/XX/2022 Amount : {$37.00} Collection agency : XXXX XXXX XXXX XXXX XXXX, XXXX A notice, dated XX/XX/2022, was sent to my mother 's place of employment regarding my debt. I have NEVER used her employer 's address as a contact or have any association with the address whatsoever. The credit originator has my home and current address ; I have received notification from them in the past. This is an act of harassment.
Consumer complaint received 2022-06-28
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: Navient Solutions, LLC. (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC (AZ)

i have XXXX collection reports on my XXXX file from northwest financial that i do not claim to owe. The same XXXX collections are showing on XXXX as well. 

I sent Northwest Financial a certified return reciept letter stating a notice of dispute. This letter was recieved by Northwest Financial XX/XX/XXXX. I linked the return receipt below. It is now XX/XX/XXXX and i have not recieved any indication that i owe this debt from the collector. 

AGAIN NO RESPONSE WAS GIVEN TO ME. 

I know that under the fair debt collection practices, the creditor has 30 days to return the requested information for the dispute. 

Therefore, i put the company on notice that they now are responsible for damages to my person for the amount of XXXX per violation/invalid collection. 


This company can not prove i owe this debt therefore it should be discharged and removed from my credit reports.
Consumer complaint received 2022-02-15
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. (FL)

I am having many problems with the 3 Credit Reporting Agencies/Bureaus . They are mixing my file with someone who is deceased. I have disputed this with them for the past year and they have not corrected the accounts. XXXX will not even report a score and Experian sent me a letter saying that they have me as deceased even though they show me making ontime payments on my own accounts and late payments and collections on the ones that are from the deceased person. 
These issues have caused me and my family great difficulties and stress for the past 5 years. I have sent proof of my identity with documentation and pictures with my Florida issue Driver 's License. They have either not responded or ignored my requests or simply told me it's been verified with sending proof or an explanation of how it was verified. Please help me resolve this matter. The pandemic has taken a toll on our family. Both financially and physically and I am unable to apply for a loan because of their inaccurate reporting.