davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Wave Financial USA Inc. (CA)

I submitted a complaint over the phone with a live agent from the cfpb on XXXX regarding my XXXX money business account. The complaint was not inputted correctly and XXXX denied they are the company the complaint is about. I am attempting to fix the previous complaint # XXXX. I am filing this complaint because I this is the XXXX time I received a large payment from my customer and XXXX  chose to hold the money from me for XXXX  days. XXXX took their fee out of the transaction immediately. This held up production on the job and when the money was finally released they closed my business card stating I claimed it was lost or stolen. I never made such a claim. In fact, I specifically instructed the XXXX representative, XXXX, on XXXX not to close my account. She closed it anyhow and said I needed to wait XXXX days until I received a new card in the mail. The card is the only access I have to my business funds and my business has been on hold for over XXXX weeks. I asked if they could expedite it to me and was told no. They closed a previous card of mine out after receiving a large deposit and did allow it to be expedited, but made me a pay a fee. I received a letter from XXXX XXXX  ( XXXX ) in the mail XXXX  days later on XXXX asking me to provide details of the disputed transaction ( there was not a disputed transaction! ) I can't understand how they can send this bogus letter out but not my card. I called to check the status the status of my card on XXXX and was told they had no record of a new one being shipped. They hung up on me. I called on XXXX and was told it was processed on XXXX but they could not provide a shipping carrier or tracking number. The same story was given to me each day since and I am also told there are no managers that work there. Each call ended with XXXX hanging up on me. Their customer service is degrading and I am ashamed and embarrassed to tell my clients I am using XXXX  at this point. XXXX different reps said my card would arrive today or tomorrow, but I have many doubts. I have not been able to pay utilities, rent, suppliers, or do anything for that matter. All the reviews I have read state that XXXX has taken their money after closing their account and left them with no recourse. I am petrified and their bad faith business practices are simply unacceptable.
Consumer complaint received 2023-05-09
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX
Consumer complaint received 2023-05-01
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: ID Analytics, Inc. (TX)

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX that referenced my credit score obtained for a new service through SageStreamLLC. https : //www.sagestreamllc.com/ I called XXXX XXXX XXXX and SafeStreamLLC based on the letter I received in the mall on XX/XX/XXXX. XXXX XXXX XXXX could not find the order number referenced after several calls. Unfortunately, though, one of the early calls said the letter must be correct since I recently opened an internet account. I therefore, unfortunately, called them and left my personal info ( DOB, SS, address, number, DL ) through their " automated phone system '' since there is no way to speak to a person. 

SageStream ( now XXXX XXXX XXXX ) company is listed on the .gov site as an actual reporting agency and is the only reason I gave them my information - https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/sage-stream/ After several phone calls with XXXX XXXX XXXX , it was determined that they have no documentation proving the letter was sent from them. 

Upon review online, it appears this SageStream LLC is a scam even though it listed actual XXXX XXXX XXXX numbers, and I found references this scam has been ongoing for almost XXXX years. I rushed to lock all of my credit accounts and banking accounts immediately. 

The next day, on XX/XX/XXXX, I received a text from number XXXX saying, " I'm XXXX. are you the XXXX XXXX instructor that XXXX referred me to? '' I believe this to be the scammers trying to validate my personal information further. 

There are many complaints online about this type of letter and the SageStreamLLC company, and they believe that it is a scam to steal your identity. The government is supporting this scam by saying they are a legit business.
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I wire transferred {$620.00} using my Bank of America online services to the beneficiary " recipient '' in XXXX XXXX 
The money never made it through. 
I contacted BOA " Wire room '' at XXXX more than 30 times and walked into 2 different branches seeking help in returning my funds.

many complains and management escalations had been turned in by BOA wire room representatives on my behalf to BOA. 
Unfortunately, I had been giving the song and dance about the money being stuck at their middle bank " XXXX  ''. 
Also, last month I was told that form " 202 '' needed to be completed and returned to " XXXX  '' from an account manager at BOA to complete the refund.

That simple task was not done. 
I was provided with a case # XXXX I have not been contacted by anyone from BOF except 1 missed call and a message from XXXX at the wire room stating to call the XXXX if I needed help. 
This poor communication is extremely unacceptable and consumers should not chase their financial institute regarding our hard earned money. 
Can some one please call me. I truly need help.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (PA)

per the FCRA as a federally protected Consumer I am now Opting out of ANY and ALL Authorization I the consumer may have giving you Written, Unwritten, and none verbal agreement. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-05-09
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. (MO)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Ive requested to get hard inquirys disputed from my report which they are inaccurate and not open accounts. I sent out letters more than 30 days ago but I havent been notified or updated about any information XX/XX/2023 Inquirys disputes
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Consumer Reporting Agencies have assumed a vital role in society today and are responsible for reporting consumer information to the best of their ability with the maximum degree of accuracy. 
With that said, on XX/XX/2023, I received notification of inaccuracies contained within my Transunion credit report. Specifically, the account ending XXXX from the State of Maine - Department of Health and Human Services - Support Enforcement Division shows late payments were made with inaccuracies in the dates the payments were made when no late payments were ever made to the account. Please investigate these inaccuracies and provide proof of your findings. If evidence can not be provided, I demand that the reporting agency, Transunion, be made to report the account as paid in full as agreed or remove it from my report. 
Thanks for your time and attention to this matter. It is greatly appreciated.
Consumer complaint received 2023-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (NY)

One of my family members, an adult received XXXX XXXX. He signed for financial responsibility for the services " He '' received. He chose the doctor, went to their facility, signed off on financial responsibility for himself. ( I do not ever recall signing as a guardian or financial responsibility for an adult, The probability of being out of state at that time is very high. ), Phoenix Financial placed this on my credit as a collection without notification to me and it must be removed. 

I attempted to resolve this and stated that I was not the recipient of the services provided and that I did not sign as a responsible/financial responsibility for the services provided. So they would have the opportunity to correct the actions they took. No remorse, plenty of sarcasm and they continued to state that it was in dispute of which I do not believe such, and they are not going to give me a letter of deletion for my lender until I give the money for services that I did not receive nor took financial responsibility for. I am also making a complaint to the State 's Attorney 's Office per a conversation with your office.

I am not the party, It should not have been in my name. They continue to attempt to collect the debt from me and attempted to get me to do a verbal agreement with them to pay. I have a mortgage pending and need a deletion letter from my report or this will cost me tens of thousands of dollars. 

Also I did not give them permission to enter into a verbal contract nor agreement for something that is not my responsibility. 

This is not my debt or responsibility.
Consumer complaint received 2023-05-09
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX and XXXX XXXX  XXXX
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: CBC Companies, Inc. (NY)

I'm composing this complaint to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing
Consumer complaint received 2023-03-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlas Credit Company, Inc. (TX)

XX/XX/2023 at XXXX XXXX, XXXX from Atlas Credit located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX physically came to my place of employment and then had to call my employer from the lobby because visitors are not allowed without an escort. I never gave permission for her to come to my place of employment or to call my place of employment. I sent her a text message and answered calls prior to today 's visit and stated that I would pay by XX/XX/XXXX and then when they said they couldn't wait that long, they said they could give me until today to make some sort of payment. I had my phone on DND because I was at work in a meeting and unable to answer their numerous calls that come through. They have called me from several numbers and even privately. She said she came to my job because my text message " didn't say much '' and that her calls are going straight to voicemail. I reminded her that per FCRA rules, she can not call or visit my place of employment. Since this is blatant disregard of the law, I would like this investigated. I have a recorded phone call as proof that she was physically in the office waiting on me to come down to speak to her.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Its been almost 2 months and LVNV Funding has Not responded to 2 separate validation letters attempts. 

They are non-compliant with the law. 

I have the XXXX receipts showing when they were received by LVNV. I also have copies of the 2 letters that they received and refused to respond to. 

I have no idea what these adverse, accounts are regarding as they havent provided Anything to me to validate.

LVNV also didnt alert the credit bureaus to the fact that these 2 XXXX XXXX XXXX were under dispute and that is Illegal.. 

They are disparaging my character and preventing me from obtaining new credit.
Consumer complaint received 2023-05-01
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. (NC)

The following accounts are incorrect, and they are adversely affecting me livelihood. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-05-01
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: National Credit Adjusters, LLC (TX)

NCA has paid the Credit reporting agencies to report a collection on my consumer report. I was never sent any information to challenge the validity of the alleged debt. This has damaged my credit and has caused me to be denied extensions of my credit and caused me to pay higher interest rates and fees. I did not consent to contract with this company nor do they have permissible purpose to have my information which could be considered fraud and identity theft. This account is showing as an open collection and has XXXX XXXX as the original creditor which I also have no contract with.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

On XX/XX/XXXX I enrolled into the XXXX XXXX XXXX XXXX XXXX Program which put ALL my student loans into CURRENT status and was to REMOVE any and ALL NEGATIVE/DELINQUENT OR DEROGATORY reporting on my credit reports. 

I pulled a copy of All Three of my credit reports yesterday and see that XXXX has it updated correctly, XXXX needs to remove an item but that EXPERIAN has it showing as a CHARGE OFF/DEROGATORY ACCOUNT IN COLLECTIONS! They state that it is more than 90 days late. 
They are violating my rights under 15 US C 1681s-2 ( A ) ( 1 ) which states that a information SHALL NOT BE INACCURATE on my report. 

They are violating my right to privacy under US C 1681 section 602 A as well as 15 US C 1681 section 604 A Section 2 which states that a reporting agency CAN NOT furnish my account with information WITHOUT any written instructions. 

Lastly and perhaps most seriously they are violating my rights under the FRESH START INITIATIVE which states Under The XXXX XXXX XXXX XXXX in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by ED are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.
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: Nelnet, Inc. (MI)

XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel Nelnet 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by Nelnet is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.
Consumer complaint received 2023-05-09
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. (NV)

I am a victim of identity theft. The information listed in attachment which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
I have disputed these accounts with you since XXXX of XXXX, and NO action was taken. 
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. As consumer I am requesting these accounts to be deleted IMMEDIATELY Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

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.