davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (ID)

In XXXX of 2022 I got a check from a gentleman and before I deposited it I noticed it didnt have a spot to sign and I thought that was weird. I called Wells Fargo and asked them what I should do. On the phone they said that I should deposit it and worst case it bounces. I said I didnt want to hurt my account and asked if they were sure 2 times and they said yes. I even went as far as trying to send a picture to a banker or asked if I should into a store but they assured me that wasnt needed. I ended the call and deposited the check. Within 30 minutes Wells Fargo called me back and said they were closing my checking and savings accounts. I told them that they gave me the instructions to deposit it and it wasnt right of them to close it. I explained my story and they said they would file a claim. The person on the phone took my side of the story and put me on a brief hold. They very quickly came back to the call and said my claim was denied. Not even 3 months later all my credit card accounts are closed suddenly with no warning and when I try to reach out and find out why they say the person handling my case is unavailable and I can leave a message. I was with Wells Fargo for 20+ years and was thrown down the gutter within months
Consumer complaint received 2019-04-24
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. (CA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-09-13
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. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EMCC Holdings, LLC (PA)

This account is inaccurate and l never had a contract with Equiant Financial under the 609 fair credit act. It is illegal to buy another person account and produce inaccurate information on that person credit. I requested Equiant Financial produce sign original document showing this account is owned by me and they are the original owners of the contract. I will be filling a civil Lawsuit for violation under the 609 fair credit act. This collection Agency was allowed to update inaccurate information instead of deleting false information which is a direct violation. This is also fraud and must be deleted immediately.
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The three reporting agencies : XXXX, Equifax XXXX XXXX was contacted, by the creditor, XXXX to delete my hard inquiry. This was done On XXXX XXXX, 2023 to all repositories to have the hard inquiry removed. The process requires letters to be sent via USPS to the addresses provided by the repositories which are po box es. The creditor acted in good faith to remove the hard inquiry, as it was an erroneous authorization.

I have followed up with each of the Reporting Agencies that were given the letters to get a status. I am unable to get a follow up. The customer service agents are not providing direction, instead I am getting the same dispute letter. No action taken. I am asking CFPB to notify the agencies to follow up the request provide by the creditor.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello I have been trying to get in contact with all three credit bureaus XXXX XXXX AND TRANSUNION since XX/XX/2020. This is ridiculous I am in the process of purchasing a home and in need of everything reporting on my file to be as accurate as possible and their non compliance with this issue is delaying the process. All the accounts on the attached letter it being the THIRD letter I sent to them have inaccurate information reporting including balances that are wrong. They failed to verify any of these accounts or to update anything so at this point I am distressed and this needs to be removed. I was lenient to not submit a complaint sooner but at this point this is stressing me out.
Consumer complaint received 2023-03-22
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX, XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy.

In 15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (AL)

Your website questionnaire is flawed. It does not have an option for breaking confidentiality. 

I received a text message from XXXX at XXXX Monday XXXX XX/XX/2021 stating : XXXX XXXX We have an important message for you from XXXX. This communication is from a licensed bill collector. Please call us at XXXX. 

As can be seen, anyone could see that this is a debt collection real or faked. Also my phone is set to speak txt messages due to poor eyesight. If I was in public, at work, with friends or family or conducting a business meeting then the others present would hear a debt collection.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 6. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Delete from my credit report.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NV)

We sold our Property on XXXX. We ordered a payoff in XX/XX/XXXX to payoff the property due to selling the home. We made our XXXX payment on XX/XX/XXXX. as we always do each month. After we sold the home and paid off the mortgage we received an alert that we had a 30 day late payment on our credit for the month of XXXX. I spoke to LoanCare LLC on XXXX XXXX. concerning the issue. I explained to them I have the Confirmation email that the payment was paid. They stated they didn't see a payment was made and I should just dispute the late payment through the CFPB and the 3 Credit Bureaus as their internal dispute department would take up to 90 days. I need this rectified as soon as possible, so that is what I'm doing. I'm filing the dispute and reporting this error with the CFPB and the 3 credit bureaus. I am uploading the confirmation email I received on XX/XX/XXXX that I had made the payment. Thank you. 

Lenders Info : LOANCARE , LLC XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (LA)

Account on my credit report shows closed, delinquent, and derogatory. However, loan balance shows {$0.00} ; Monthly payment shows {$0.00}. Account was opened XX/XX/XXXX and shows closed as of XX/XX/XXXX. No other information is showing for this account.
Consumer complaint received 2023-06-26
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: GATEWAY FIRST BANK (PA)

My XXXX XXXX report indicates that Gateway First Bank ran XXXX inquiries on my report. XXXX on XX/XX/2023 and XXXX on XX/XX/2023 At this time, my XXXX XXXX file was frozen. 


Gateway First Bank didn't have my permission to request a report
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX I made a large deposit at chase bank. 2 checks payable to me. One for {$10000.00} and another for {$15000.00}. 
XX/XX/XXXX i was told the funds would be available. In the app, it showed an available balance of XXXX. But i still had no access to the funds. I called chase customer service. Chase put my account in restriction. They told me the checks could not be verified through their system, and that one of the checks had been altered. I complained to them about arresting my earned income from direct deposit and that I was expecting a child support payment. Some one made a note on my account about an ach payment that I should be allowed to withdraw at the bankers discretion. I eventually did withdraw the ach payment. Also the check for XXXX, was verified. 
XX/XX/XXXX chase attempted to verify the phone numbers. Again! For the check of XXXX I go to a local branch and speak to 2 bankers who seem confused about why chase is having issues with verification. They call customer service and CS tells them they will hold the money indefinitely. 
XX/XX/XXXX After 10 days of my account being in restriction chase closes the account. 
XX/XX/XXXX local branch manager tells me chase closed my account, I will be receiving 2 checks. One for the direct deposits of my an my mis ands income, and onefor the XXXX. I received them. 
XXXX receive a cashiers check in the mail for XXXX XX/XX/XXXX I receive a cashiers check from chase for the XXXX XX/XX/XXXX. The XXXX still arrested with no hope of verification. 

The checks for XXXX XXXX was presented for payment on the XXXX of XXXX by chase to XXXX bank. And XXXX released the funds to Chase.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

I was attempting to withdraw money out of my Square bank account at a XXXX XXXX XXXXXXXX atm on XX/XX/XXXX. I wasnt sure of what my daily cash withdraw limit was, so I tried pulling the full {$1000.00} out which is what I needed. It did not let me, so I tried {$500.00} and was still not able to which led me to try {$300.00} but still no luck. I ended up trying another atm across the street with no luck still. The next day ( XX/XX/XXXX ) I checked my email and saw I received an email saying my card wasnt working because of suspicion of fraud. I also check my account and saw there was an atm withdraw of - {$1000.00} which was not me. I immediately filed a dispute and called to confirm that it went through on the app. I talked to someone and they told me it was being processed but I also asked what my cash limit was to withdraw and the told me it was {$300.00}. I asked them to see if they can put that as a note for the investigation team to show that it would be impossible for me to pull that much out at once, they agreed and put a bit. About two weeks later I received an email saying they could not credit my account due to me having my physical card with me at all times. They told me I needed to reach out to the seller which I have no information about. The transaction only shows a street name and nothing else. Ive talked to them at least a dozen times since then trying to have them look back into it and eventually they just never replied back.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to a fair, equitable, and timely, and accurate dispute process. The Company is also failing to acknowledge and reply to my many inquiries and correspondences on this matter. Additionally, no one has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company took more then 30 days to days to respond to my complaint which violates the standard set forth by federal law and the FCRA. A proper investigation did not take place. They failed to produce my written consent allowing XXXX XXXX XXXX XXXX XXXXXXXX to release my private information. I have no proof of contract with this company XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( never provided by submitter ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 items 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. 

Additionally, in accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to information being reported by the furnisher accurately and completely under Section 623 ( a ) ( 1 ) ( B ), Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : ( never provided by submitter ) has violated my rights. Section 623 ( a ) ( 1 ) ( B ) states : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I was never notified by the furnisher of this alleged account. The balance reported by the furnisher on XX/XX/22 states the balance is {$1300.00}, however a payment to XXXXXXXX XXXX XXXXXXXX XXXX  was made on XX/XX/22 and the balance is only {$200.00}. I never received any written information from the submitter regarding this collection account. I sent an email to the submitter on XX/XX/22 to inform them the information reported is inaccurate, incomplete and therefore must be removed from my credit report immediately. I attempted to call XXXX and XXXX on XX/XX/22 and was told they are not responsible for accurately reporting information to my credit report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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 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 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 2021-09-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long to me.