davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (KY)

At or around XX/XX/year> Regions Bank closed my account for suspicious activity. I was told that a XXXX  party vendor wire transfered money into my account in the .middle of the night. I did not authorize or have any dealings with this party. Regions Bank told me they were closing my account to protect me the customer. Recently I went to apply for a bank account at XXXX XXXX XXXX XXXX all these years later and was denied. I received a copy of my Early Warning System Consumer Report and it states that the account wad closed for Checking Account Fraud. I contacted Regions and they told me I have to go thru the dispute process. I had no involvement in this action. Thus contribution reason is false and inaccurate.
Consumer complaint received 2019-06-13
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 — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (MI)

I submitted a complaint with your company ( XXXX ) on XX/XX/18 case number XXXX and Lincoln Financial agreed to update my credit report and remove the charge off from all credit bureaus. XXXX  was the only one reporting charge off. XXXX removed the charge off status in XX/XX/XXXX and placed it back in XX/XX/XXXX. When I contact them they stated Lincoln Financial told them to report it as charge off again. This has caused me problems I am trying to refinance my home.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (GA)

I previously submitted a report to address inaccuracies in the information sent to me by the credit bureau via email. I am reaching out formally to dispute an error Ive noticed on my credit card statement. Ive also requested an additional investigation, but it appears this issue was overlooked. I would appreciate your prompt attention to this matter and kindly request a confirmation receipt to keep me informed of any updates.
Consumer complaint received 2023-07-29
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. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-26
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : NXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

I use the Cashapp to send money to friends and make occasional purchases. Sometime between XX/XX/XXXX - XX/XX/XXXX there is money that was sent to me and my balance reflected that. Mysteriously the balance was lower without any transactions. I tried to call Cashapp but there is no phone service available. I started several emails to ask where the missing funds are. I was sent a statement from them which outlines all incoming ( + ) and outgoing ( - ) transactions as well as a beginning and ending balance. The statement itself reflects that there is, in fact, missing monies of {$1100.00}. I have tried to figure out what exactly happened, but I can not pinpoint a specific transaction and I have attempted to guess. The company is slow to respond and has automatically closed several of my emails after 3 days without trying to reach me. I have been contacted by several different account specialists always changing during the process.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (CO)

On XX/XX/20, I noticed fraud on my debit card. Two XXXX of {$1000.00}, {$1000.00} and two XXXX XXXX charges of {$1000.00} and {$2000.00}, and two deposited checks. I filed a police report and an identify theft report with the FTC. Both of those were sent to the bank. We called on XX/XX/20 to report the fraudulent activity and submitted a fraud dispute on XX/XX/20 in person at the local XXXX  branch in XXXX, PA. My bank, M & T has issued refunds to my account for the two deposits ( {$20.00} reissued for each fraud check deposited ) and two XXXX transactions of {$1000.00} and another {$1000.00} dollars. However, this was first done to my mom 's joint account not the account in question. We were never notified by the bank. We had to contact the local bank branch manager in XXXX, PA last week on XX/XX/20 and tell them the money was issued to the wrong account and then they move it to the correct one. However, we never received any statement saying this. Then, we waited 12 days until we heard again from a fraud worker with the bank. The fraud worker was focused on deposits. He kept saying I must have deposited the checks based on my phone number. I absolutely did not do this. He had no information for me about the XXXX XXXX  fraud. We are currently disputing the XXXX XXXX  charges on the account for reimbursement and they had no information for us about those charges. Also nothing has been sent to us in writing. Again, it has been over the 10 day requirement. 

Here are the overaching concerns : 1. We notified the bank of fraud activity when the XXXX XXXX charges were pending on XX/XX/20. We asked the bank to STOP pay on these since we did not authorize them. They did not. They let these charges go through. 
2. M & T charged us insufficient fund fees based on these charges that made the account negative during the ongoing investigation. During this entire investigation, they kept trying to charge us insufficient fund fees even though federal law states this is illegal.

3. M & T has not provided us with any written communication about their investigation. We have been kept in the dark. 

We do not feel safe as consumers and members of this bank. They are not following federal laws that protect consumers and they are not following required guidelines for fraud investigation. We ask that the CFPB holds M & T bank accountable for not following the required timeline for handling this fraud case and not keeping consumers safe when they report fraud. Again, we reported the XXXX XXXX  fraud before the transactions when through and they did not stop this fraudulent activity from occurring.
Consumer complaint received 2023-07-30
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. (PA)

I filed a dispute on XX/XX/XXXX with TransUnion, they responded back saying that all the information was accurate. For the amouth of {$910.00}. I resubmitted my dispute letter providing documents.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (CA)

I have no idea what this debt is for. In my credit monitoring app it states that Jefferson Capital Systems LLC claims they are the original creditor. I never heard of them nor do I have an account with them. What time was this supposed account opened? What name was used? What address? What was it for? I can't get any information. I dispute it with the credit agencies but they come back saying the creditor say it's valid. How come that information is not shared with me? Why am I not allowed to validate it myself? I get repeated rude phone calls with threats of legal action and sometimes these calls go to my family members which is extremely embarrassing for me. It's not a ton of money. They claim I have 2 accounts. One for {$610.00} and one for {$670.00}, I could make a payment plan and pay it off, but why can't I validate what they claim I owe is real and that it's my debt. And why can't I be treated civilly. This is bullying and extortion.
Consumer complaint received 2020-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

I filed recent complaint XXXX - XX/XX/2019 - ISSUE - False statements or representation. 

I have updated information that was discovered from complaint XXXX. 

# 1 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not an accredited Institution ; Therefore, the printed transcript of completion and credit hours had no authority or authenticity. 

# 2 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not offer or assist in any sort of Financial Aid Options. 

# 3 The Schools recruiter guarantied after completion of the course I would make a starting salary of {$60000.00}. 

# 4 I have been paying on this loan for over 16 years! The loan I originally borrowed was approximately {$9300.00} # 5 To Date I have paid over {$15000.00} through the life of the loan. 

# 6 Now currently owe MORE than what the loan was initially taken out for. 

# 7 From recent complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX referred to me as Ms. XXXX. I am a Man I have been my entire life born and raised. XXXX is an XXXX XXXX mans name. As a matter of fact, in XXXX Baby Names the meaning of the name XXXX is : War. This being said its rather insulting for someone to referred to me as Ms. XXXX. 

# 8 From recent complaint XXXX XXXX XXXX states that I should contact my current servicer which is Navient. 

# 9 In Navient 's logon page to pay for the student loan absolutely no where does it state the loan is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loan states that it is for XXXX XXXX College the college I attended some 8 years after The XXXX XXXX. I am guessing because was not an accredited. 

# 10 The XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX has been torn down in and they changed their name. to XXXX XXXX XXXX University. The former building used to reside at : XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH XXXX XXXX   XXXX # XXXX Even though graduating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , when I started school at XXXX XXXX College not 1 credit hour transferred, nothing! I studied worked hard made the academic honor role for a fake school with fake credits and I have nothing but a canker sore of debt to pay for. 

# 12 I get multiple harassing phone calls from Navient on a daily basis. Due to Covid-19 I attempted to take a forbearance. I told them to put me on the do not call list which they ignored. I receive daily calls from a Florida number XXXX it is XX/XX/XXXX and I have received 7 calls from this number since Sunday evening!! 

This seems very fraudulent and wrong!
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX reported never receiving payments my account was on autopay. After my XXXX was sold I had no way to access this card company account because it was XXXX only platform. I was not aware the card was being used and to my knowledge I had erased my information. From the XXXX however XXXXXXXX XXXX calls me every day with new balances owed. The auto payments were taken out of my account but I somehow have a new balance of {$800.00} after disputing charges I wasnt able to access or see and talking to them the balance was at {$0.00} and closed. Now theyre reporting past due balance!
Consumer complaint received 2019-06-13
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. (CA)

XXXX XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE SENT NUMEROUS TIME MY IDENTITY THEFT REPORT TO EQUIFAX REQUESTING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Clarity Services (MS)

I have been receiving " per-qualified '' offers and cash advances. I went to XXXX and opted out like all of them said to do. I received and mailed back the form to be permanently opted out. I am still receiving offers. One of them has XXXX  and one of there divisions XXXX XXXX XXXX or Clarity Services Inc ( as their e-mails says ). 

I contacted Clarity and was told I had to opt out with them directly and they were not part of XXXX. They are part of XXXX  their own customer support e-mail says they are. 

I believe this is all just a way for XXXX  and other Major credit bureaus to get around the opt out. They are making a lot of money with " selling '' my information so why would they stop. There is no incentive for them to stop. We don't have any ability NOT to be on any of these and we have no rights over how our information is used. We should be compensated by any company that violates the opt out.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am asking for your support with the incorrect account being listed on my credit report. This issue has been damaging to my reputation, and I need your help. Your handling of my credit report has negatively affected me, and the false reporting has done serious harm to my reputation. You must remove the incorrect details from my credit report.
Consumer complaint received 2023-07-30
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. (ME)

ACCOUNT NAME XXXX  XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX  XXXX XXXX XXXX ACCOUNT NUMBER XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX of XXXX XXXX XXXX XXXX XXXX who represents XXXX XXXX XXXX XXXX filed for foreclosure under case ID XXXX. After XXXX XXXX XXXX XXXX failed to provide requested information. A active and ongoing dispute was filed with the courts and all payments have been suspended. However the home owner XXXX XXXX has paid the property taxes in full up till the year XXXX and has paid his home owners insurance in full for the past year and current year XXXX XXXX - XXXX this payment was made on XX/XX/XXXX to XXXX insurance under policy number XXXX. However XXXX again fraudulently made a payment on XX/XX/XXXX XXXX the question is where did they get the money to pay for insurance if no mortgage payments were allegedly made, And if mortgage payments were made None of them would be late as they try to claim. XXXX is trying to place XXXX XXXX into debt by making fraudulent payments after he has paid in full and forcing the insurance company to refund him back his escrow payments. Which would place him behind on payments because XXXX fraudulently made a extra payment and removed the precious escrow payment made by the home owner XXXX XXXX. XXXX is XXXX XXXX  on trying to raise the mortgage payments too cause default.
Consumer complaint received 2020-11-13
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. (FL)

Dear XXXX/XXXX/ Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-06-11
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. (TX)

These Accounts : ( 1. ) XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, EQUIFAX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2024-10-25
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. (NC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AZ)

I was with XXXX XXXX until I closed my account in XXXX. I entered the store, closed my account, and paid the final balance. It was paid in cash and I was given a receipt. Once again this was done in early XXXX. They are sending me an invoice from XX/XX/ and I closed the account and paid the final balance in full in XXXX of XXXX. 
I am now receiving collection letters from companies Resurgent and XXXX XXXX stating that I owe {$1200.00}. This is 13 ( thirteen ) years later? 
I do not have the original receipt from paying the account. Who keeps a receipt from 13 years prior? 
I have requested documentation bearing my signature and they refuse to produce. I get an old bill that is not even the correct amount and is months later than when I closed the account.