davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. (MI)

XXXX XXXX is reporting this account as charged off. XXXX XXXX can not collect on a discharge debt. 

Per 12 CFR 1026.11 any consumer account termination that has a credit balance over {$1.00} is due to my the consumer. 

Per the Privacy Act as a federally protected consumer I have a right to privacy. My financial history with XXXX XXXX is not public information and should not be released to Equifax. The ONLY credit bureau recognized by federal law is the Consumer Financial Protection Bureau and they do NOT furnish consumer reports therefore Equifax does not have my written consent to release my non public financial information.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

I work for a company for which I paid cars for them on XXXX, because of that, they usually let me change their check on my account. So this time I deposit a check of about XXXX dollars into my account, and paid cars with some of it, there was no problem. Then I came back for a cashe check to pay for other cars, the teller told me that I could not use the funds that I had, when I asked why they told me it was because of the check, so I told to myself everything going to be ok because it wasn't fraud. The same day, minutes after, I received an email from wells fargo, that they are closing my accouny, I called them to know what will happen with the money, they told me it is going to take 7 business days to return it. 7 days pass to a month, I call them, the person over the phone told me that they return the money to the business who wrote the check. So my boss went and talk to the owner of the business, and he went to his bank to know if he received it, or when he is going to receive it, his bank never received any money. So I went back to my bank and told them that the money was not returned, they told me, the business owner ( the person who wrote the check ), me, and my boss ( the person 's the check was written to, need to go to the bank together to verify that the check wasn't fraud, we did all of that, but since then, we have been going back and forth to the same result, no check, and at the and they told me wells fargo has the money. The last time I called them, the guy over the phone was very rude and hanged up on me. So please help me. So in total they XXXX rom both my saving and checking account, because I already had money on my account.
Consumer complaint received 2023-07-27
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. (AZ)

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-07-27
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. (SC)

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, XXXX, Experian to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX Account # XXXX XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have attached documents showing this horrible mistakes on my credit report.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Account Balance : {$32000.00} ; XXXX XXXX XXXX Account Balance : {$32000.00}.
Consumer complaint received 2023-08-18
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

Currently, Navient is reporting inaccurate status information to the XXXX credit bureaus XXXX, XXXX and XXXX regarding the XXXX student loan accounts. These accounts were not part of a Chapter XXXX bankruptcy, claimed filed with government, paid or being paid by Insurance Company. Additionally, the accounts have not been 90-180 Days or More Past Due. 

I have asked Navient & XXXX XXXX to STOP AND DECSIST IMMEDIATELY from reporting inaccurate information to the credit bureaus.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY SOCIAL AND MY ID WERE STOLEN, THERE IS INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME PLEASE HELP THESE ITEMS DO NOT BELONG TO ME INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - NOT MINE NEVER HAD THIS ACCOUNT - THERES NO AGREEMENT OF ME AND XXXX  THIS IS IDENTITY THEFT - XXXX [ CRD - XXXX - NOT MINE NEVER MINE THERE IS ANOTHER PERSONS NAME ON THIS ACCOUNT PLEASE HELP THIS IS WRONG - XXXX  - XXXX - NOT MINE NEVER MINE - REMOVE THIS ALL MY INFORMATION WAS LOST - THIS IS WRONG THEFT REPORT ATTACHED
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (MO)

I was in a vehicle accident and my money was thrown from vehicle my purse and most contents of my car was thrown out.. 1 month after wreck the money was located and brought to me with some other belongings. I had some 20 bills that had been damaged due to being exposed to the elemehts. I tried to exchange the money with my bank and XXXX was returned and deemed unacceptable without reason. I was hung up on with no resolution presented.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX XXXX  discriminating agency directly bullied me via email and phone. I opened XXXX XXXX XXXX XXXX  and due to fraud and unauthorized transactions I refused to make payments because I have zero liability for fraud charges, bank failed to investigate fraudulent transactions in a timely manner therefore its unlawful for them to report falsely as a charge off, they also stole {$710.00} from me to cover for fraudulent transactions
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (AZ)

In XXXX I had fraud on my venmo account. It was XXXX XXXX. I called Venmo and spoke to fraud team and they said to file a dispute of charges with them and they will get my money back. Dispute of charges filed with Venmo against XXXX XXXX A week later out of nowhere, Venmo closed my account without giving me any reason or warning. They refused my direct deposit and had it sent back to my employer who didn't receive confirmation for a week and my pay checks had to be mailed which took delays and was hurting real bad. Venmo then froze all my money in the checking account and said they might return my money depending on unknown factors they won't release. Upon reviewing this issue, Venmo always takes the money and forces the consumer to take action. I have lost hundreds of dollars in late fees and my Christmas was ruined because my funds were all over the place and missing due to this scam Venmo did one. I was following the fraud departments advice and I got punished for trust Venmo. They never respond to emails and can't call them at all. Want my money back plus more if possible due to all of the money I paid in late fees, my credit score dropped, plus so much more.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (IL)

On XXXX XXXX XXXX  I made an electronic payment to my Ollo card in the amount of {$520.00}. This would pay the card off in full. On XX/XX/XXXX Ollo debited my checking account in the amount of {$520.00}. The problem came in on XX/XX/XXXX, when they duplicated that debit leaving me a credit on my account of {$520.00} and my checking account was debited in the amount of {$520.00} XXXX separate times. I made an assumption that this was a mistake and would clear itself up, or that I would have access to the additional money through Ollo. I checked my account with Ollo and it showed that I have a credit on my account of {$520.00}. 

Here is the issue : On XX/XX/XXXX, I attempted to use the {$520.00} and was declined. I called the customer service department and they told me that it would take XXXX weeks to get the additional payment back, there was no way to expedite the refund or give me access to the money any sooner. I find this to be a deceptive practice since they made no attempt to refund the over payment until I called and complained. I also find this to be unfair since they have my money and are refusing to refund it in a timely manner. They already have had that money for 7 days, they are stating that it will be another 14 days to get it back. Finally this is abusive as had I known that they were not going to give me access to the funds, I would have made a request immediately to have the funds returned to me.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-08-18
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. (MD)

This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt. 

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent.

I urgently request the immediate removal of this account from my credit report.
Consumer complaint received 2023-08-18
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (TX)

Permitted & PAID DEBIT CARD CHARGES THAT UNAUTHORIZED-OVERDREW FRAUD-ACCOUNT AFTER SPECIFICALLY DECLINED OVERDRAFT PERMISSIONS & OVERDRAFT PROTECTIONTHEN BEGIN CHARGING ONEROUS DAILY CHARGESoverdraft fees, taking ENTIRE PAYCHECK!!!!! Reimburse all funds taken by Regions after wrongfully paying charges that triggered insufficient funds after STRICTLY ADVANCED DID NOT WANT OVERDRAFT PROTECTION-or any overdrafts. As soon as reinstated overdraft fees, began accepting items that overdrew account-expeditiously getting paid for advances! I DID NOT WANT OVERDRAFTS FROM DEBIT CARD-SHOULD DECLINE!! INSTEAD TAKING MONEY I NEVER EXPECTED!! FRAUD!!!
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-27
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. (GA)

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  OTHER NAMES LISTED DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER ADDRESSES THAT DON'T BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EMPLOYERS THAT DON'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of these accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX