davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I opened a small business checking account with XXXX  XXXX XXXX, and a small business credit card with Wells Fargo. In setting up my credit card, I wanted to link the credit card to the checking account so that I can pay the credit card with the checking account. 

When entering in my account information for my checking account in the Wells Fargo application, I receive an error message indicating the account is not set up for transfers or payments. 

I have contacted Wells Fargo, who states that the set-up needs to occur with XXXX XXXX  XXXX . I have contacted XXXX  XXXX XXXX who insists the set-up must occur with Wells Fargo . The banks have refused to provide email addresses, enter in a joint call to resolve the issue, and are now putting me at risk of incurring interest on a credit card unnecessarily. 

Both financial institutions are adamant that their is nothing forbidding the connecting between the accounts but have refused to take reasonable steps to resolve the matter.
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IA)

Hi to whom to may concern. I work in the state of Iowa as a XXXX XXXXXXXX I applied for direct deposit but it takes time. So I got a government check I deposit to my account it was accepted and the balance went up. Then Citi bank locked my account and said the check is fraud and closed my account they took my money and closed my account. Also I have all the voice recordings and transcript I can gladly send its a lot of them
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off accounts ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX  XXXX XXXX ) ( XXXX XXXX ) ( XXXX  XXXX XXXX ) ( XXXX XXXX - XXXX ) for which I have not received a Form 1099-C. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. 

The account in question was charged off by XXXXXXXX XXXX XXXX  on approximately XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX, XXXX, XXXX, XXXX  XXXX XX/XX/year> ; XXXX XX/XX/year> ; I have made multiple attempts to contact the creditor and request the Form 1099-C, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued.

As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form 1099-C, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation. 

I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue. 

15 USC 1681 15 USC 1681 s 602 15 USC 1666B
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Credit Collection Serv - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (AZ)

OKAY, this company I have had absolutely the worst service with and I will attach all the other issues/ reporting done on this site. I must say the Customer Service has really gone DOWN hill. 

previous issues were speedy and customer service was simple. 

this issue is simple 2 payments where made on the same day and they only allowed 1 to process creating a shortfall on total paid and then cut off my access to credit protection as if I made the payments untimely.. 

this is now the 7th issue and plus they closed the card in retaliation of last filing. NOW THEY ARE REPORTING THIS CARD XXXX LATE. 

total balance is {$250.00} and I request they pay this card off. I'VE CALLED ENOUGH
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (CA)

I ordered a copy of my report Experian and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$2600.00}
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
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: CURO Intermediate Holdings (TX)

AD ASTRA has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolved, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person or company shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious. 

Ad Astra Recovery Services - Account # XXXX
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX A XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (NY)

I didnt authorize these car dealerships to put all these hard inquires on my credit report! The hard inquires are as listed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-06
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. (PA)

Its been several months of trying to resolve this issue with XXXX. In XXXX, I legally changed my name. All of my credit and student loan accounts have been sending reports to XXXX, XXXX, and Equifax with my new/correct name since XXXX, and they sent me written confirmation that they sent additional reports to these bureaus to ensure they would have the correct information. XXXX changed my name and continued reporting my accounts as normal. XXXX, however, refuses to update anything outside of my name and address, and they keep telling me that they cant do anything about it, so my credit report is missing several accounts and my score is incorrect. I sent over both digital and physical certified copies of my ID and legal court order. Ive started multiple disputes with XXXX and spoken to several representatives in the Member Services Department, Dispute Department, and Special Services Department. I spoke to XXXX in the XXXX Department on XX/XX/22 at XXXX who informed me that they still had majority of my credit report under my previous name and so my information is inaccurate. He transferred me to the Special Services Department where I spoke to XXXX on XX/XX/22 at XXXX XXXX. He was very rude, said that I didnt know what I was talking about, yelled at me over the phone, and then hung up on me when I asked for an escalation and a supervisor. Legally, XXXX has to update my information when there is evidence that it is incorrect. I then contacted Equifax, who also refused to update my credit report with correct balances and account information. I started several disputes with them and spoke to multiple representatives who all refused to rectify the missing information. This issue affects my identity verification, significantly delayed my application for housing which put my safety and security at risk, and I cant apply for any loans because my credit reports arent matching with all the bureaus. I will have to take legal action if this is not resolved because this is affecting my livelihood.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I want explanation on. I am not saying they are reporting right or wrong. I also read the fair credit reporting act where it says by law, that I have the right to challenge anything I deem to be inaccurate. 
Are you familiar with 15 U.S.C sec. 1681 ( a )? If proof cant be provided for any account they must be removed. I am asking for any erroneous accounts to be deleted, anything not 100 percent correct. I would appreciate a valid response and someone to respond within law and not statute. I was read in a lawyer forum on a credit website that a person has 30 days to complete this investigation. Please examine all account specimens and remove them if anything is missing or incorrect. 
I also read where I can get the updated report after you investigate this from the free lawyer forum. Could you please send it to me? Thank You and also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put in the from field.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

ok now proof of my written authority with my consent to prove that the company is not violating my constitutional rights. these are the laws that protect my rights below since the company is telling me what ever inquiries they have what so ever... they have my written permission to put it up for two years ... by law if they can not provide information which i know i didn't consent to i am ready to get a lawyer and 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : law.cornell.eduhttps : XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of ... it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX  XXXX U.S. Code 1681c - Requirements relating to information contained in ... states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of ... A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2022, charges were made on my TD Bank debit card account ending in XXXX in the following amounts by a company called XXXX : {$480.00}, {$500.00} and {$100.00}. I did not have anything to do with these charges. The fraud also occurred simultaneously on two credit cards of mine. The company name changed once it processed on the bank statement to XXXX XXXX XXXX XXXX XXXX. 

After one of the credit card companies called me to inquire about what appeared to be fraudulent activity on my credit card with them, I checked my bank account online and saw fraudulent activity as well. I called TD Bank immediately the morning of XX/XX/2022, to report these unauthorized charges. The representative confirmed she would put a hold on my debit card and she assured me I would be notified that once the transactions were posted, TD Bank would contact me with an update. The reference number is : XXXX. I have not heard from TD Bank fraud department to date. 

On XX/XX/2022, I went to TD Bank located at XXXX XXXX XXXX, XXXX XXXX NY XXXX, and spoke to a representative named, XXXX. He issued me a new debit card and assured me I would hear from the fraud department within two weeks. I have not heard from anyone at TD Bank unless it is me calling to which I am told that I will hear from them. 

It has been over a month since I asked TD Bank to reinstate my money into my bank account that was removed because of these fraudulent charges. Please note when I was at the bank getting a new debit card, the {$100.00} charge was removed before posting to my account. 

Thank you!
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXX of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I was a victim of fraud and my bank, USAA, decided to change my checking account to credit only before they close it permanently by end of XXXX. I had tried to redirect my VA compensation check to a different bank, since my current account is in the negative due to fraud. My check was accidentally deposited in the wrong account and now USAA is refusing to give it to me because the amount went toward the negative balance. I'm a single mom of two kids on a low income and my rent is now overdue.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC (MO)

I am filing this complaint about lendingpoint LLC regarding an alleged debt that is in dispute. On XXXX XXXX, I mailed a notarized affidavit certified mail to the company citing various violations of the FDCPA and requesting a response from the company as well as compensation within a months time. No response was received, and the company continues to violate my consumer rights as well as harass and defame my character. Their repeated phone calls during business hours interrupt my daily business as I am currently self-employed as well as their emails inundating my mailbox with correspondence including harassing language about reporting information to the credit reporting agencies and attempts to collect a debt. Lendingpoint has failed to rectify the situation and/or respond in any manner and continues to attempt communication when they were asked to cease their harassment. They were also invoiced for XXXX worth of violations. They are in violation of the following : 15 USC 1692b. ( XXXX ), 15 USC 1692b. ( XXXX ), 15 USC 1692f. ( XXXX ), 15 USC 1692d. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ). They continue to violate my right to privacy and their reporting of negative information to all three credit agencies has resulted in emotional distress, loss of the ability to conduct proper business and is a direct defamation of character which includes my credit score and ability to obtain credit.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$720.00}