davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I wrote XXXXXXXX XXXX a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX tracking number XXXX. XX/XX/XXXX XXXX XXXX received my request. It has been 31 days since I sent my request inquiry and I have NOT received any information back from this debt buyer. The specific information I was requesting was Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX XXXX 
Last payment made on the XXXX XXXX account with XXXX XXXX. 
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX XXXXXXXX. Example XXXX, Charge off XXXX XXXX XXXX or XXXX XXXX XXXX whom ever they represent themselves as has failed to respond to my inquiry within XXXX business days not including holidays and weekends which is a violation of the FDCPA and FCRA. This company is reporting different information to XXXX Experian and XXXX and all 3 companies have Verified as XXXX this account or updated the account. I do not know which consumer reporting agency is reporting accurate information because all 3 agencies report different information. 

* XXXX Verified as XXXX this account on XX/XX/XXXX file number XXXX with a 7 year purging date of XX/XX/XXXX and a past due dollar amount {$8400.00} currently reporting. They claim that this account was closed on XX/XX/XXXX all while reporting the Account Type as Open. The Original Amount reports {$8400.00} while the Balance and Past Due report {$8400.00}. There is no reason why the balance and original amount should be different. 

* XXXX generated me results for this account on XX/XX/XXXX confirmation number XXXX with the date of delinquency date of XX/XX/XXXX. The high credit reports {$8400.00} with a balance and past due of {$8400.00}. The account type reads Open with a Payment History reporting XXXX days past due. 

* Experian generated me with results on XX/XX/XXXX report # XXXX with the 7 year purging date of XX/XX/XXXX. The Original balance reports {$8400.00} while the balance reports {$8400.00}. The current status reads {$8400.00} past due and a Payment History is being reported. XXXX has updated information with experian but refused to answer to my inquiry letter? How is that legal? 

This is why I requested information directly from the source in clear explanation and this company refused to answer to my inquiry and send me what I had requested. If this company had the information on file then they should have no problem supplying me with this specific 3 questions.
Consumer complaint received 2023-04-21
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. (MN)

On XX/XX/, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my medical license, driver 's license and incarceration, I paid what I could, and contributed to the remaining to the costs of travel, which under Cal code 4062 is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to XXXX, XXXX, and Equifax to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.
Consumer complaint received 2023-04-21
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. (MN)

On XX/XX/2022, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my XXXX XXXX, driver 's license and XXXX, I paid what I could, and contributed to the remaining to the costs of travel, which under Cal code 4062 is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to XXXX, Transunion, and XXXX to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Company Name : XXXX XXXX Account Number : XXXX Briefly explain your complaint : I am disputing an account on my Equifax credit report with the following details : Creditor : XXXX XXXX Account Number : XXXX I was listed as an authorized user on this account, and it is not mine. Despite my efforts to resolve the issue with both Equifax and the creditor, the incorrect information persists on my credit report. This inaccuracy is negatively impacting my credit score, and I am seeking assistance in having it promptly removed.
Consumer complaint received 2023-04-21
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. (NJ)

On XX/XX/2023 I mailed a certified return receipt letter Experian requesting an investigation into the matter of multiple inaccuracies. Payment statutes, payment history, past due balance, current balance, date open, date last active, date of first delinquencies, employment, telephone number and address information. I requested Experian to fix this and be reflected in the proper picture of my creditworthiness. I have yet to receive a response and a new credit report with credit score.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I have a business checking account at Wells Fargo Bank , N.A . and the bank is refusing to release a hold placed on a cashier 's check. I received a check payment from a customer for the amount of {$3900.00} and their check unfortunately bounced. I then required the customer to pay me with a cashier 's check. The customer went to their bank at XXXX XXXX XXXX  and submitted payment in the form of a cashier 's check drawn on XXXX XXXX XXXX XXXX account. When I went to the deposit the check at a Wells Fargo ATM on XX/XX/2023 I received a receipt stating my funds would clear next day. To my surprise in the morning I received a message that the cashier 's check had received a hold. The hold reason was not due to fraud but rather a message that stated " Recent returned check from check writer 's account. '' I called the bank on XX/XX/2023 and was told that I needed to go into a branch location for the hold to be removed. When I went and spoke with a manager she refused to remove the hold because the check was deposited at an ATM not in branch. I waited till today XX/XX/2023 because the check is under {$5200.00} and expected to clear today. The check did not clear and I called the bank again and they stated they could not remove the hold over the phone and to go back to a branch. The Wells Fargo ATM system has failed to recognize the cashier 's check is a next day item per Reg CC rules. The bank is unjustly holding my funds in the account and refusing to remove the hold even though when they do research they can tell the check deposited is in fact a cashier 's check and not drawn on my customer 's account but on XXXX XXXX XXXXXXXX 's account. However, Wells Fargo as an institution refuses to honor the Reg CC rules and will not remove the hold. If this check was fraudulent i would understand but the failure here is in Wells Fargo 's ATM system not recognizing the check is a cashier 's check and the Bank refuses to correct this mistake. I have also incurred overdraft fees in my other accounts due to not being able to access my funds and make timely transfers.
Consumer complaint received 2023-04-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I would like to submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent modeling opportunity that resulted in identity theft and a negative report on my early warning record. 

On XX/XX/XXXX, I received an email from scammers offering a modeling opportunity. Their email address was XXXX. After applying, they responded on the same day congratulating me on my acceptance and stating that they would send a pre-payment check. The check was sent on XX/XX/XXXX, and the scammers took a picture of the postal outside my door through SMS from their phone number XXXX. I deposited the check immediately, but my bank informed me that it was a fake/bad check. My account was closed permanently and reported to credit bureaus, which caused difficulty in opening new bank accounts due to early warning reports. 

I provided necessary documents to early warning credit bureau such as the police report, conversation with the scammers, email address, phone number, and FTC report to early warning via fax. These documents clearly indicate that I was a victim of identity theft and had no knowledge or involvement in any fraudulent activity. The scammers had access to my personal information such as my full name, address, phone number, Social Security number, and bank account details. 

This unfair report on my early warning record is affecting my ability to conduct financial transactions and obtain credit. I believe that this report was filed wrongly and unfairly, since I'm also new to the system and the country. I have provided all necessary evidence to support my case and request that the CFPB remove this report from my early warning record. 

Please contact me at ( XXXX ) and/or ( XXXX ) to discuss further and provide a resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma (GA)

Credit karma took money from my XXXX XXXX with my card locked XXXX dollars that was for my hotel room the following week causing me to have to pay by the day until my next paycheck which I get paid biweekly so this has been ridiculous because they keep telling my gf that they are sending me my money back to my card but I have yet to see anything. After talking with several of the reps on the phone I was rudely brushed off and lied to by several of them. How is it that they can pull money on a two month old dispute without leaving any transaction history with my card locked... they also took XXXX dollars from my gf and tried to say her money bounced back to her XXXX XXXX. It did not. I am furious that a bank so widely known is being operated by thieves. Please help me
Consumer complaint received 2023-04-20
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. (NY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

In XX/XX/2023 a third party deposited a check in the amount of {$14000.00} into my US Bank checking account. He was told by his bank that there would be a 10 day hold on his check. He felt bad that I would have to wait XXXX for the funds to be good so he stopped payment on his check and immediately sent the funds thru XXXX into my account. I then tried to withdraw funds from my account and I was told my account was frozen. At that point my checking account balance was {$15000.00}. They said my account was being investigated. For what I do not know. They did not tell me. I personally did nothing wrong and the bank was not out any money. I called the fraud department several times and they said the only person to give me an update was the branch manager at my bank. The branch manager says she can not give me an update and for me to call the fraud department. I've been getting the run around for three months now. I do not know why my account is even being investigated and I do not know why does it takes that long to get my funds. I am very frustrated at this point. Please help me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-04-20
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. (NC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (IN)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from 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. XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2021.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX XXXX, I tried to purchase a motorcycle listed on XXXX and still is. My deal was accepted by " XXXX XXXX '' ( XXXX ) We agreed to use XXXX. This site was fraudulent, and comes-and-goes from the web. I was instructed to wire the funds to XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX in to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When it became apparent that I was robbed, I notified TD Bank, which waited 3 days before I discovered they did not know how to properly recall my wire. Later spoke with XXXX I notified XXXX, and received little help from " XXXX XXXX XXXX XXXX in reference to my complaint, XXXX XXXX XXXX. I also advised them verbally about the circumstances, and that their complacence was akin to them being o.k. with helping " XXXX XXXX '' launder money through their bank. To test my theory, my friend XXXX XXXX also initiated a " purchase '' from XXXX XXXX From the same posting, and " XXXX '' initiated the same process with him and using XXXX, and wiring money for payment, and furnished a different XXXX XXXX XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX. I advised XXXX of the additional developments, and they did not respond. I want my {$5400.00} returned to my TD Bank account. I want TD bank questioned for being slow to react. I want XXXX XXXX be held responsible for continuing to accept funds for transactions that they have been made aware are fraudulent. I would like " XXXX XXXX '' and all associated persons and entities prosecuted. 

I have received a letter from The Federal Reserve Bank XXXX XXXX XXXX ( attached ) without any resolution or restitution.
Consumer complaint received 2023-04-22
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. (FL)

I am writing this complaint on my own behalf there is no third party involved. On XX/XX/XXXX - I submitted a packet to Experian information solutions regarding 4 fraudulent accounts listed on my credit report, asking to dispute are remove these fraudulent accounts from my report. The accounts included : XXXX Card, {$6100.00}, Opening date XX/XX/XXXX - XXXX XXXX, {$4000.00}, Open Date XX/XX/XXXX - XXXX  XXXX, {$5400.00}, Open Date XX/XX/XXXX - XXXX XXXX, {$3100.00}, Open Date XX/XX/XXXX. This packet arrived on XX/XX/XXXX. The packet I sent to Experian is attached in the complaint. To this day, XX/XX/XXXX, these accounts resulting from fraud and identity theft still lie on my credit report. The law states that a consumer reporting agency is required to block any of the information on the report and/or file of the consumer if the CONSUMER identitfied the information is a result of an alleged identity theft within 4 BUSINESS DAYS after the receipt of the identity theft report and required accompanied documents. Experian Information Solutions failed to block such information resulting from identity theft - within the four business days of receiving my identity theft report. 
On XX/XX/XXXX Experian notified me of the dispute results, from the initiated date of XX/XX/XXXX to be complete. It appeared - three of the four fraudulent accounts came back verified in the dispute results. The results shared the company that reported the information has certified to Experian that the information is accurate. However, there was no affidavit sworn under oath before a notary public or similarly authorized person - as defined as true verification by Federal Law. I never once received from Experian ANY form or sworn statement provided under oath nor any affidavit of truth with valid notary signature - therefor no verification has been made per U.S. Federal Law. Unfortunately, these falsely claimed verifications have illegally excused Experian to continue to furnish fraudulent information on my credit report, lowering my credit score, and drastically TARNISHING my ability to operate freely in commerce. This has kept me from making purchases and necessary moves with my credit, and is negatively impacting my quality of life in commerce.
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC (GA)

My credit report is showing an account with EQUIANT FINANCIAL SVCS which was opened on XX/XX/XXXX and last reported on XX/XX/XXXX with a balance of {$2900.00}. I have repeatedly disputed this with the company, but they refuse to comply. I have never heard of this company. I have never had an account or an agreement with this company. I do not owe this debt. 
This has seriously hurt my ability to obtain new credit, vehicle and/or a mortgage loan. It has been a detriment to my financial credibility.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (IL)

In accordance to the Fair Credit Reporting act 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 an account without my written instructions.