davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (CA)

Experian 's security is such that anyone with my personal information can create an account, even if an account already exists. They can replace the email on the account and freeze or unfreeze my credit. Details can be found here : https : XXXX Yesterday, someone tried to open a credit card in my name at a XXXX, which uses Experian to gather credit reports. I immediately called their fraud hotline, and thankfully the card was flagged before the thief could use it. They told me to freeze my credit, which I did through all three Beauraus. 

Today I received an email that the email associated with my account changed. Lo and behold, I could no longer log in with my username and password. The sign in page has a feature where you can find the email associated with an SSN. Using this feature, I was able to see the first two characters of the new email address, which I did not recognize. I can only assume that my account was hacked. 

Experian wants you to pay for a service to monitor changes to your account more closely. This is a racket- I am simply not paying to remedy a problem they created. Given that there was a recent security breach from Experian, it's likely that my SSN and personal info was obtained that way. If so, they are doubly at fault.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I have been applying through XXXX and similar sights for " XXXX XXXX '' positions. On XX/XX/2022, I received an email from " XXXX XXXX from XXXX '' claiming they had reviewed my resume and were interested in having me go through an online interview. Over the course of a few more emails they accepted me for hire, and sent me an Offer Letter which I signed and sent back. On the letter was a list of office equipment I was to acquire. He instructed me to print out a " Soft Check '' for {$4900.00}, which he had emailed to me. Once I mobile deposited the check and it cleared with Wells Fargo, the next day I made XXXX wire transfers, one being through XXXX. I continued to exchange emails with this person, as he explained my name needed to be on the check to acquire the office equipment after XXXX weeks of employment. I found this to be fishy, but everything had been so elaborate I went with it. And eventually the communication stopped, and I was left disputing the scam through Wells Fargo. After a month or so, Wells Fargo denied both wire and XXXX dispute, claiming that because I made the transaction, I was responsible and have to take the loss. I am searching for legal advice at the moment, as I believe Wells Fargo should have put a hold on the check for 10 business days. Because they cleared the check in one day I came to believe it was a good check.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CT)

On XX/XX/2022 at XXXX my card was fraudulently used at a smoke shop called XXXX XXXX  in XXXX XXXX XXXX CT in the amount of {$47.00}. I contacted Cash App as soon as I noticed the transaction and inquired about disputing the purchase and reporting my card stolen. As you can see in our chat, they gave me the steps to do so after many hours of waiting. My card was lost and used for this unauthorized purchase. I never found my card. 

On XX/XX/2022 the transaction settled and I was able to dispute it. Today, XX/XX/2022, I received an e-mail saying my dispute was denied and I could check the app for more info which I did, and it said it was because " no error occured and I or someone I authorized made this purchase '' which is blatantly false. I contacted support asking for their reasoning for denying my dispute and was told they can't handle that over chat so someone will e-mail me but I was given no timeline for how long that would take. Back in XXXX I had a dispute for a separate fraudulent transaction which was denied because I referred too many people to their app. I will include documentation of this. I don't care about the money from that as it's probably a lost cause but I refuse to allow them to let me be stolen from AGAIN. 

I believe Cash App is treating me extremely unfairly and they are not protecting me from fraud. I'm unsure if they're discriminating against me because of the referrals I mentioned or if they just treat all of their customers this way but I would really appreciate any and all help in retrieving the {$47.00} that was stolen from me via an unauthorized transaction that I promptly notified Cash App of. I'm unemployed and that amount may seem small but it was my grocery money for the week. Regardless of that, I shouldn't have to lose my money to fraud because this " bank '' refuses to protect me against fraud. I will attach screenshots of the dispute denial reason from back in XXXX ( the referrals I mentioned ) as well as all communication thus far regarding this dispute. Thank you in advance for your assistance in this matter.
Consumer complaint received 2022-09-03
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. (TX)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (OR)

Hello, I had ACS for student loans years ago and am unable to reach them to get my payment records to prove that I was making payments so I can get credit under the public service loan forgiveness program. XXXX says they do not have access to acs records and that I must go through them.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX # XXXX and XXXX XXXX have 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 2020-05-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC (IL)

The agency " COLLINS ASSET GROUP , LLC '' acting as a 3rd Party Debt Collector has sent multiple notices attempting to unlawfully collect on an alleged debt has provided no proof of claim, or certified contractual evidence signed between both parties proving your agency is in fact the Original Creditor, Owner, Servicer, Lender, Assignee, or Holder in Due Course of the alleged debt. The actions of " COLLINS ASSET GROUP , LLC '' at this time are in clear violation of the [ Fair Debt Collection Practices Act Section 805 ( a ) ] [ 15 USC 1692c ] as no prior written consent or permission has been given to your agency granting the right of communication in connection with this alleged debt or any other matter in fact. Furthermore, the agency " COLLINS ASSET GROUP , LLC '' has deliberately ignored a formal notice and DEMAND TO CEASE AND DESIST all communication made pursuant to the [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ] which was delivered by way of USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX on Saturday XX/XX/2020. In addition, " COLLINS ASSET GROUP , LLC '' has unlawfully and void of contract furnished inaccurate information to multiple Credit Reporting Agencies, thus violating the responsibility and duty to report accurately pursuant to the [ Fair Credit Reporting Act Section 623 ( a ) [ 15 USC 1681s-2 ]. Based upon the facts and evidence provided herein a claim will be immediately filed in Federal Court against " COLLINS ASSET GROUP , LLC '' for Civil Liability pursuant to all applicable law. All rights are hereby explicitly reserved without prejudice and without recourse in regards to this matter.
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (VA)

In XX/XX/2018, wrote secure message to close checking account. Couple days later called to confirm account was in fact closed. However, for the past several months, I have been receiving emails notifying me of statement availability suggesting that the account is not closed.
Consumer complaint received 2022-07-22
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)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible.Here are the list of disputed items 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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX Balance : {$280.00}.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, XXXX confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX XXXX reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with XXXX to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with XXXX and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.
Consumer complaint received 2020-05-22
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
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: Student Loan Finance Corporation (CA)

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

XXXX : Reunion Student Loan Finance Corporation XXXX : Student Loan Finance XXXX XXXX XXXX : XXXX XXXX  Reunion Student Loan Finance Corporation Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. XXXX is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

A few weeks ago I noticed on a credit monitoring service that I had a balance due on my Citi credit card. The reported date was XX/XX/XXXX. I tried to access my account on XX/XX/XXXX and received a notification saying that the account was locked and I needed to contact technical support. I called the technical support line and the person on the other end stated that my account access would be restored in " 5 to 7 business days ''. 

I tried to access my account on XX/XX/XXXX and my account was still disabled. 

This evening, XX/XX/XXXX, I spoke with account manager " XXXX XXXX '' and she confirmed that my account had been closed on XX/XX/XXXX. When asked why I had not received any notification that my account was due to be closed, the account manager stated that sometimes the system closes accounts without any email notifications sent to the consumer. 

" A notification was posted to your account directly. '' The account that I could not access. 

Citi has my email account, I last received emails from them back in XXXX XXXX XXXX.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # XXXX : XXXX Trans Union XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-02-15
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)

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 # : XXXX, Account name : XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXXXXXX, 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 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 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America blocked my access to online banking while traveling. The only way I could log into online banking to pay my XXXX  credit card bills was to have the card 's 3 diget code on the back. I did not have the cards on me as I only use the cards for recurring bills so they are kept in my desk.

I was traveling for nearly a month and XXXX of the cards went 30 days past due. I paid the cards as soon as I returned home and could get the codes off the back. However, Bank of Americ took my limits from {$42000.00} and {$18000.00} and has put the limit now at {$500.00}. They have also refused to take away the 30 day late reporting to the credit bureau 's even though they know I tried to pay while traveling ( I have email confirmations with codes to try and attain access to online banking during this time but I had to have the three-digit codes ). 

I have asked for them to take away the 30-day late reporting, but they refused. I have asked to have my limits increased to their former amounts. They have declined the request two times now.

The result of these two things ( reporting a 30-day late payment and the decrease of nearly {$60000.00} in available credit has had a very negative impact on my overall credit rating at a time when I am attempting to attain financing on our home. 

Everyone I spoke with at BofA was sympathetic to the situation. They understood that I tried to make the payment but could not due to traveling. But they also said they were unable to do anything to help me. 

This is wrong. I can prove that I was trying to log in to pay the bill ( via these emails ) but was unable to. This is their system and their protocols which made it impossible for me to pay my bill but they are punishing me for it. I have had both of these cards for 20 years. I have never been 30 days late on them. But it counts for nothing.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-05-22
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPTEDXXXX   XXXX {$13000.00} XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00} XXXX   XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$850.00}
Consumer complaint received 2020-05-22
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. (AR)

I was informed by banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX  XXXX {$9700.00} CHAPTER XXXX BANKRUPTCY DISCHARGED CHAPTERS XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANKRUPTCY FILED