davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
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. (NY)

Equifax is willfully breaking the law by continuing to report verified information that is inaccurate that is cuasing myself harm on my consumer report. No proof of these reinvestigated items have XXXX furnished to myself showing the proof and how this information was verified. They are noncompliant with the laws that Congress has in place to protect the consumers rights to fair and accurate consumer reports and privacy cuasing consumers harm. Numerous laws are being broken willfully with disregard to myself the consumer which Congress has set laws in place to protect myself in the Fair Credit Reporting Act. Equifax has ASSUMED a vital role in reporting accurate information with grave responsibility to accuracy, fairness, and impartiality which they are willfully breaking these laws!
Consumer complaint received 2022-02-10
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. (PA)

I have reviewed my credit report and find inquires that are unauthorized. I did not give consent for these to be furnished. I have sent in multiple complaints about this. This is now willful negligence and violation to my consumer rights.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX My Bank is Wells Fargo XXXX XXXX XXXX ( From Wells Fargo ) I filed a claim to Wells Fargo about a transaction total of XXXX from XXXX XXXX XXXX and I never had anything to do with them. It was 3 transactions of the following. 

XXXX/Bill pay/ XXXX To XXXX XXXX  XXXX Credit Card XXXX/Bill pay/ XXXX/To XXXX XXXX XXXXXXXX Credit Card XXXX/Bill Pay/ XXXX To XXXX XXXXXXXX XXXX Credit Card As soon as I woke up I reported this transaction as fraud immediately to Wells Fargo and they had me create a new bank account with a new username and password. 

On the XXXX I went to my local police station and reported this transaction to them as Bank fraud and told me they would begin their own separate investigation into the matter. 

On the XX/XX/XXXX I was sent a provisional credit of XXXX. I was told that this was a temporary amount until they were able to investigate further in a letter later that the case had to be investigated further. 

On the XX/XX/XXXX I received an email from my local police department which had said the following " I have hit a dead-end in your case. Wells Fargo was not able to provide enough information for me to subpoena XXXX  XXXX XXXX for the recipient of the funds. XXXX can not provide customer identification information with a partial card number. I see that you have been refunded the money, according to their letter, and they consider that you have been made whole. This may be why they are not retaining records that could further my investigation. Please continue to keep track of your accounts and be mindful of unauthorized transactions. '' I had taken this as my case being resolved which made me relieved and satisfied for the time being. 

On XX/XX/XXXX ( This following letter was sent out on XXXX/XXXX/XXXX I then received a letter basically telling me one of the following, " We have not completed our research of your claim and found these transactions were made by you or someone who had your permission to perform transactions on your account. As a result, the provisional credit provided to you earlier will be reversed within 10 business days from the date of this letter. Please consider your claim closed. '' I was very frustrated by this because I had thought my case was completely done with. So apparently on the XXXX of this month, the money would be removed from my account. I never had anything to do with XXXX in my life which is very frustrating indeed and I don't even have that kind of money to be spending anyway.
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (MD)

I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXXXXXX XXXX XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXX  account is only showing XXXX ( XXXX ) of the XXXX consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those XXXX months to a closing balance of {$180000.00}
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo continues a recurring charge of {$200.00} weekly for the past 5 months after Ive informed Wells Fargo Ive never approved or have made any transactions with such merchant. I have informed Wells Fargo via telephone when spoken with them via fax and they the united postal service which Ive sent a letter informing them of such unauthorized uses on my account and to restrict such charges from the merchant by hello fresh. Wells Fargo continues to allowed such charges and is approving them without my knowledge or permission. Wells Fargo has failed to fallow their security fraud prevention in my account after Ive reported to them for merchants XXXX XXXX and XXXX charges along other reported transactions starting in the month of XX/XX/2021 also ignored my request to replace my debit card..
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My XXXX XXXX card has been closed and paid via settlement since 2017. However, it still shows up on my credit reports with the credit bureaus with a {$950.00} balance and driving my score down. I've disputed several times this incorrect info with the bureaus and the results keep coming back as " information accurate ''. Please do something.
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to LVNV FUNDING to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/2022 and have yet to receive the information requested from the company. I have never signed a contract with LVNV Funding and do not owe this alleged debt. This has violated my consumer rights and disregarded my attempts to assess the alleged debt.
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-19
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (WA)

I have been receiving many peculiar phone calls sometimes three a day. Usually when this has happened in the past, a debt collector is involved trying to collect erroneously. Today Alliance One from XXXX XXXX XXXX showed up on my caller ID before a restricted call which was from XXXX with XXXX XXXX XXXX XXXX, voice mail envelope caller ID XXXX. That gives me the impression Alliance One may be involved. 

The Alliance One phone call XXXX XXXX XXXX was marked as Spam Call, but I checked the phone number out and it goes to Alliance One. I missed this call and did not speak to them. I sent Alliance One two cease and desist messages one giving my phone number and one giving my email address form their website, and a message appeared saying they received the messages. I sent them the messages this evening. 

I have no debt at all and my credit report is good to excellent. 

It could be coincidence that XXXX is calling who could be a scam caller, but I don't think the call from Alliance One is. Not unless someone is using Alliance One 's phone number as in spoofing. 

A few years ago this has happened with this same phone number. A bill collector trying to collect on a debt with a phone number given to me from XXXX XXXX free government phone. XXXX XXXX and other names are asked for with this number yet today. I even had the XXXX XXXX Washington state Prosecutors office call from a problem with someone who had this number long before I did. 


Below is Message Sent To FTC, FTC Report Number XXXX I have been receiving many phone calls from people who want to help me with my debt that I do not have. I have no debt at all. Below are the FCC ticket numbers of just 5 of these people contacting me. I think it may be generated from phone number XXXX XXXX XXXX I received this afternoon that goes to Alliance One. Today is the first time I've seen XXXX XXXX XXXX that goes to Alliance One that my phone tagged as a Spam call. I was not around to answer the call. Alliance One has the wrong person. This has happened with my ****** number which is the free low income phone. I had to get CFPB to stop a bill collector once. 
I have sent Alliance One two messages to cease and desist or I will file a law suit against them and all their affiliates for harassment. 
I have been receiving many phone calls about helping with debt relief and paying off bill. This is the first time Alliance One 's phone number appeared in my call record. I deleted it without writing down the time. 

One time years back I received a lot of strange phone calls and it was because of a bill collector trying to collect from someone else who had had this number before me. 



FCC Ticket Numbers : XXXX, XXXX, XXXX, XXXX, XXXX are complaints file for help with credit cards and debt.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX FUNDING ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
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. (NC)

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX violated my rights on XXXX X 2 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 THESE ACCOUNTS VIOLATED MY RIGHTS AS WELL ACCOUNT # XXXX XXXX XXXXXXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

applied to recieve my free annual credit report, was told the with a pending drtispute could not get report, XXXX will not except any other disputes till original is closed, they are dragging out the complaint so they do not have to take several problems with my report.
Consumer complaint received 2022-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (GA)

Robinhood will not allow me access to my account. I submitted a selfie and a copy of my ID and they refuse to accept it. You can not call anyone at the company unless you do it through the app and you cant get into app until you get a cleared selfie. I feel like they dont want to release my funds.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (OH)

I have been a victim of identity theft. My information was involved in the XXXX XXXX XXXX and I have a number of fraudulent inquiries on my report that I need removed immediately. This is my written consent to remove the fraudulent inquiries/accounts. The accounts are unauthorized and I received no benefit from the accounts.
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I received to statements claiming I visited XXXX XXXX XXXX. Once on XX/XX/2015 acct # XXXX for {$1400.00}. Another on XX/XX/2015 acct # XXXX for {$480.00}. I am a regular patient at the XXXX  XXXX XXXX XXXX. I do not go outside the va for my medical svcs as for my recollection I have never visited XXXX XXXX XXXX.
Consumer complaint received 2022-02-19
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. (LA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

XX/XX/XXXX thru the XXXX, I've filed numerous complaints with cash app in regards to a transaction where goods was never received due to the merchant stating that his company don't take transactions from cash app. XX/XX/XXXX I sent XXXX dollars to a business called XXXX XXXX a service they provide as advertised. After making the transaction then reaching out to the founder he expressed that his company do not allow his invoices paid through cash app. I then reached out to Cash app to file a return of funds and cash app expressed that they found the transaction valid. One of cash app categories handle transactions where goods were not received. In order for cash app to verify if goods were received they would have to talk to a employee or founder of the XXXX XXXX who also goes by XXXX. I then filed another complaint with cash app to directly file complaint with merchant as they explained in a email. The complaint was filed XX/XX/XXXX and as of today no response.
Consumer complaint received 2022-02-19
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. (NC)

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX violated my rights on XXXX X XXXX 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 THESE ACCOUNTS VIOLATED MY RIGHTS AS WELL ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
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. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that 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 not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I submitted a complaint XXXX  month ago about my issues with XXXX NOT reporting my credit cards that I pay for monthly for good history. I have a total of XXXX cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my XXXX and Equifax properly. XXXX is the only bureau not reporting correctly. 

CFPB said this has been resolved with XXXX and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from XXXX first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022 around XXXXXXXX XXXX Eastern Time, I attempted to log into my TransUnion account. I was unable to login with my username and password. I tried to reset my password, but I was not able to. TransUnion 's website was stuck on Step One of verifying my identity in order to reset my account password. I thought that maybe I needed to sign up again. I clicked " Sign Up '' and filled out my information. The website then asked me for my credit card information. The website did not mention that I was about to purchase a service or provide me with a total. However, the website would not let me proceed with registering an account without registering a credit card, so I did so. It was only after the registration process was complete that I realized the TransUnion charged me {$24.00} without explicitly notifying me that it was charging me or informing me of what service I was purchasing. I immediately cancelled the service, but it had already charged my credit card. I only wanted to view my TransUnion credit score and unfreeze my credit. TransUnion essentially charged my credit card without explicitly notifying me that it was charging me or telling me what I was purchasing. This is my formal complaint against TransUnion 's predatory practices for the sake of parting unwary consumers from their money. 

When the charge posts to my credit card, I intend to dispute the charge with my credit card company as TransUnion did not explicitly inform me that I was making a purchase and did not provide me a total amount for what I was purchasing.